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1fr;}.hero__inner{grid-template-columns:1fr;}.hero__stat-band{flex-direction:row;flex-wrap:wrap;min-width:0;}}\n@media(max-width:600px){.footer__grid{grid-template-columns:1fr;}.cta-band__inner{flex-direction:column;}}\n\n .contact-items{display:flex;flex-wrap:wrap;gap:2.5rem;margin-top:0;}\n .contact-item{display:flex;gap:.85rem;align-items:flex-start;min-width:220px;}\n .contact-icon{font-size:1.3rem;line-height:1;margin-top:.1rem;flex-shrink:0;}\n .contact-item__label{font-family:'Sora',sans-serif;font-size:.75rem;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:#636B78;margin-bottom:.15rem;}\n .contact-item__val{font-family:'Crimson Pro',Georgia,serif;font-size:1rem;color:#1C2430;}\n .contact-item__val a{color:#00629A;text-decoration:underline;}\n\n\/* \u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\n ELEMENTOR CONTAINMENT RESETS\n Prevents Elementor wrapper styles from bleeding into our\n custom HTML content blocks.\n\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550 *\/\n\n\/* Zero out all padding\/margin\/gap\/background on every Elementor wrapper *\/\n.elementor-widget-container,\n.elementor-widget-wrap,\n.elementor-widget-wrap > .elementor-element,\n.elementor-section .elementor-container,\n.elementor-section .elementor-row,\n.e-con,\n.e-con-inner,\n.e-child,\n.e-con > .e-con-inner {\n padding: 0 !important;\n margin: 0 !important;\n gap: 0 !important;\n background: transparent !important;\n background-color: transparent !important;\n background-image: none !important;\n border: none !important;\n box-shadow: none !important;\n max-width: none !important;\n width: 100% !important;\n}\n\n\/* Section-level Elementor wrappers *\/\n.elementor-section,\n.elementor-top-section,\n.elementor-inner-section {\n padding: 0 !important;\n margin: 0 !important;\n background: transparent !important;\n background-color: transparent !important;\n background-image: none !important;\n}\n\n\/* Strip Elementor heading color overrides *\/\n.elementor-widget-container h1,\n.elementor-widget-container h2,\n.elementor-widget-container h3,\n.elementor-widget-container h4,\n.elementor-widget-container h5,\n.elementor-widget-container p,\n.elementor-widget-container a {\n color: inherit !important;\n}\n\n\/* \u2500\u2500 Dark section hardening \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\n .hero and .cta-band.dk MUST stay dark regardless of\n Elementor theme color injection.\n\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n.hero,\n.hero * {\n color: #FFFFFF !important;\n}\n.hero__inner {\n justify-items: center !important;\n text-align: center !important;\n}\n.hero__inner > div {\n display: flex !important;\n flex-direction: column !important;\n align-items: center !important;\n text-align: center !important;\n max-width: 780px !important;\n margin: 0 auto !important;\n}\n.hero__btns {\n justify-content: center !important;\n}\n.hero__desc {\n max-width: 640px !important;\n margin-left: auto !important;\n margin-right: auto !important;\n}\n.hero__tag {\n display: inline-block !important;\n}\n.hero {\n background-color: #00152E !important;\n background-image: linear-gradient(135deg, #00152E 0%, #002147 60%, #003366 100%) !important;\n position: relative !important;\n}\n.cta-band.dk {\n background-color: #002147 !important;\n background-image: linear-gradient(135deg, #00152E 0%, #002147 100%) !important;\n color: #FFFFFF !important;\n}\n.cta-band.dk * {\n color: #FFFFFF !important;\n}\n.cta-band.dk .btn--primary {\n background-color: #00659E !important;\n color: #FFFFFF !important;\n}\n.cta-band.dk .btn--outline-white {\n border-color: rgba(255,255,255,0.6) !important;\n color: #FFFFFF !important;\n}\n\n\/* \u2500\u2500 Section background hardening \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n.sec {\n background-color: #FFFFFF !important;\n color: #1C2430 !important;\n}\n.sec--off {\n background-color: #F3F7FB !important;\n color: #1C2430 !important;\n}\n.sec--surface {\n background-color: #E6EEF6 !important;\n color: #1C2430 !important;\n}\n\n\/* \u2500\u2500 Text color hardening \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n.sec .sec-title,\n.sec .sec-eyebrow,\n.sec h2,\n.sec h3 {\n color: #002147;\n}\n.sec p,\n.sec li,\n.sec dd,\n.sec dt {\n color: #4A5060;\n}\n.sec a {\n color: #00629A;\n}\n\n\/* \u2500\u2500 About section hardening \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n.about-facts {\n background: #E6EEF6 !important;\n border-radius: 8px !important;\n padding: clamp(1.5rem, 3vw, 2.5rem) !important;\n}\n.about-facts__title {\n color: #00629A !important;\n font-weight: 700 !important;\n}\n.about-facts dl dt {\n color: #636B78 !important;\n text-transform: uppercase !important;\n font-size: .72rem !important;\n letter-spacing: .08em !important;\n font-weight: 700 !important;\n}\n.about-facts dl dd {\n color: #1C2430 !important;\n font-size: .97rem !important;\n}\n\n\/* \u2500\u2500 Card hardening \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n.card {\n background: #FFFFFF !important;\n border: 1px solid #C2D4E6 !important;\n border-radius: 8px !important;\n}\n.card__eyebrow { color: #00629A !important; }\n.card__title { color: #002147 !important; }\n.card__text { color: #4A5060 !important; }\n.card__link { color: #00629A !important; }\n\n\/* \u2500\u2500 Faculty card hardening \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n.faculty-card {\n background: #FFFFFF !important;\n border: 1px solid #C2D4E6 !important;\n border-radius: 8px !important;\n}\n.faculty-card__name { color: #002147 !important; }\n.faculty-card__title { color: #636B78 !important; }\n.faculty-card__contact, \n.faculty-card__contact a { color: #00629A !important; }\n\n\/* \u2500\u2500 Resource list hardening \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n.resource-item {\n background: #FFFFFF !important;\n border: 1px solid #C2D4E6 !important;\n border-bottom-color: #C2D4E6 !important;\n}\n.resource-item__name { color: #002147 !important; }\n.resource-item__desc { color: #4A5060 !important; }\n.resource-item__link { color: #00629A !important; border-color: #00629A !important; }\n\n\/* \u2500\u2500 Program card hardening \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n.program-card {\n background: #FFFFFF !important;\n border: 1px solid #C2D4E6 !important;\n border-radius: 8px !important;\n color: #1C2430 !important;\n}\n.program-card__name { color: #002147 !important; }\n.program-card__level { color: #636B78 !important; }\n.program-card__dot { background: #008ED6 !important; }\n\n\/* \u2500\u2500 Tab hardening \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n.tabs__btn {\n background: transparent !important;\n color: #002147 !important;\n border-color: #C2D4E6 !important;\n}\n.tabs__btn[aria-selected=\"true\"] {\n background: #002147 !important;\n color: #FFFFFF !important;\n border-color: #002147 !important;\n}\n\n\/* \u2500\u2500 Accordion hardening \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n.accordion__trigger {\n background: #FFFFFF !important;\n color: #002147 !important;\n border-color: #C2D4E6 !important;\n}\n.accordion__trigger[aria-expanded=\"true\"] {\n background: #002147 !important;\n color: #FFFFFF !important;\n}\n.accordion__body { \n background: #FFFFFF !important; \n color: #4A5060 !important;\n}\n\n\/* \u2500\u2500 Nav drawer hardening \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n.fnav-drawer {\n background: #002147 !important;\n color: #FFFFFF !important;\n}\n.fnav-drawer__header {\n background: #00152E !important;\n border-bottom-color: rgba(0,142,214,0.3) !important;\n}\n.fnav-drawer__title { color: #FFFFFF !important; }\n.fnav-drawer__eyebrow { color: #3DB4F0 !important; }\n.fnav-item { color: rgba(255,255,255,0.85) !important; }\n.fnav-item.is-active,\n.fnav-item:hover { color: #FFFFFF !important; background: rgba(0,142,214,0.2) !important; }\n.fnav-group__label { color: #3DB4F0 !important; }\n.fnav-drawer__footer { color: #FFFFFF !important; }\n.fnav-footer-link { color: #FFFFFF !important; text-decoration: none; }\n.fnav-footer-link:hover { color: #3DB4F0 !important; }\n\n\/* \u2500\u2500 Hero text hardening \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n.hero__tag { color: #3DB4F0 !important; }\n.hero__title { color: #FFFFFF !important; }\n.hero__desc { color: rgba(255,255,255,0.85) !important; }\n.hero__btns .btn--primary { background-color: #00659E !important; color: #FFFFFF !important; }\n.hero__btns .btn--outline-white { border-color: rgba(255,255,255,0.6) !important; color: #FFFFFF !important; }\n\n\/* \u2500\u2500 Breadcrumb hardening \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n.breadcrumb { background: #002147 !important; }\n.breadcrumb a, .breadcrumb span { color: rgba(255,255,255,0.75) !important; }\n.breadcrumb [aria-current=\"page\"] { color: #FFFFFF !important; }\n\n\/* \u2500\u2500 Contact section hardening \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n.contact-items { color: #1C2430 !important; }\n.contact-item__label { color: #636B78 !important; }\n.contact-item__val { color: #1C2430 !important; }\n.contact-item__val a { color: #00629A !important; }\n\n\/* \u2500\u2500 Skip link \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n.skip-link:focus {\n background: #008ED6 !important;\n color: #FFFFFF !important;\n}\n\n\/* \u2500\u2500 BTT button \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n.jsu-btt {\n background: #00659E !important;\n color: #FFFFFF !important;\n}\n\n\/* \u2500\u2500 Menu toggle \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n.fnav-toggle {\n background: #002147 !important;\n color: #FFFFFF !important;\n}\n.fnav-toggle:hover { background: #007ABB !important; }\n\n\/* \u2500\u2500 WCAG: Ensure minimum contrast on all body text \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\nbody { \n background-color: #FFFFFF !important; \n color: #1C2430 !important;\n}\n\n\n\/* \u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550 TICKER STRIP \u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550 *\/\n.ticker-wrap{\n background:#00152E;\n border-top:1px solid rgba(0,142,214,.25);\n border-bottom:1px solid rgba(0,142,214,.25);\n overflow:hidden;\n padding:.55rem 0;\n position:relative;\n}\n.ticker-wrap::before,\n.ticker-wrap::after{\n content:'';\n position:absolute;\n top:0;bottom:0;\n width:80px;\n z-index:2;\n pointer-events:none;\n}\n.ticker-wrap::before{\n left:0;\n background:linear-gradient(to right,#00152E,transparent);\n}\n.ticker-wrap::after{\n right:0;\n background:linear-gradient(to left,#00152E,transparent);\n}\n.ticker-label{\n position:absolute;\n left:0;top:50%;\n transform:translateY(-50%);\n background:#008ED6;\n color:#FFFFFF;\n font-family:'Sora',sans-serif;\n font-size:.65rem;\n font-weight:700;\n letter-spacing:.12em;\n text-transform:uppercase;\n padding:.35rem .75rem;\n z-index:3;\n white-space:nowrap;\n}\n.ticker-track{\n display:flex;\n align-items:center;\n gap:0;\n width:max-content;\n animation:ticker-scroll 40s linear infinite;\n padding-left:160px;\n}\n.ticker-track:hover{animation-play-state:paused;}\n.ticker-item{\n display:inline-flex;\n align-items:center;\n gap:.5rem;\n white-space:nowrap;\n padding:0 1.5rem;\n font-family:'Sora',sans-serif;\n font-size:.78rem;\n font-weight:500;\n color:rgba(255,255,255,.75);\n transition:color .2s;\n text-decoration:none;\n}\n.ticker-item:hover{color:#3DB4F0;}\n.ticker-item::before{\n content:'';\n display:inline-block;\n width:4px;height:4px;\n border-radius:50%;\n background:#008ED6;\n flex-shrink:0;\n}\n@keyframes ticker-scroll{\n 0%{transform:translateX(0);}\n 100%{transform:translateX(-50%);}\n}\n@media(prefers-reduced-motion:reduce){\n .ticker-track{animation:none;overflow-x:auto;}\n}\n\/* \u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550 HERO CENTERING \u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550 *\/\n.hero__inner{\n justify-items:center;\n text-align:center;\n}\n.hero__inner > div{\n display:flex;\n flex-direction:column;\n align-items:center;\n text-align:center;\n max-width:780px;\n margin:0 auto;\n}\n.hero__desc{\n max-width:640px;\n margin-left:auto;\n margin-right:auto;\n}\n.hero__btns{\n justify-content:center;\n}\n\n\n\/* \u2500\u2500 Visually hidden elements \u2014 explicit colors for accessibility checkers \u2500\u2500 *\/\n.sr-only,\n.visually-hidden {\n color: #1C2430 !important;\n background-color: #FFFFFF !important;\n}\n\/* \u2500\u2500 Screen-reader-only toggle label \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n.fnav-toggle__label {\n color: #FFFFFF !important;\n}\n\/* \u2500\u2500 Skip link always has explicit colors \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n.skip-link {\n background-color: #00659E !important;\n color: #FFFFFF !important;\n}\n\n\/* \u2500\u2500 Breadcrumb: sit flush below global header \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\nbody {\n padding-top: 65px !important;\n background-color: #002147 !important;\n}\n.breadcrumb {\n margin-top: 0 !important;\n scroll-margin-top: 65px !important;\n}\n#main-content {\n scroll-margin-top: 65px !important;\n}\n.admin-bar body { padding-top: 97px !important; }\n.admin-bar .breadcrumb { scroll-margin-top: 97px !important; }\n\/* \u2500\u2500 Hero: full viewport height \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n.hero {\n min-height: 100vh !important;\n height: 100vh !important;\n display: flex !important;\n align-items: center !important;\n justify-content: center !important;\n padding: 0 !important;\n position: relative !important;\n}\n.hero__inner {\n justify-items: center !important;\n text-align: center !important;\n padding: clamp(2rem, 4vh, 5rem) 0 !important;\n width: 100% !important;\n}\n\n\n\/* \u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\n JSU GLOBAL NAVIGATION \u2014 matches jsums.edu exactly\n\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550 *\/\n.jsu-global-nav {\n position: fixed;\n top: 0; left: 0; right: 0;\n z-index: 1000;\n background: #002147;\n box-shadow: 0 2px 16px rgba(0,0,0,.35);\n}\n.jsu-global-nav__top {\n background: #00152E;\n padding: .3rem 0;\n border-bottom: 1px solid rgba(0,142,214,.2);\n}\n.jsu-global-nav__top-inner {\n max-width: 1340px;\n margin: 0 auto;\n padding: 0 clamp(1.25rem,4vw,3rem);\n display: flex;\n align-items: center;\n justify-content: space-between;\n gap: 1rem;\n flex-wrap: wrap;\n}\n.jsu-global-nav__util-links {\n display: flex;\n flex-wrap: wrap;\n gap: .15rem .75rem;\n list-style: none;\n}\n.jsu-global-nav__util-links a {\n font-family: 'Sora',sans-serif;\n font-size: .68rem;\n font-weight: 500;\n color: rgba(255,255,255,.65);\n text-decoration: none;\n letter-spacing: .02em;\n transition: color .15s;\n}\n.jsu-global-nav__util-links a:hover { color: #3DB4F0; }\n.jsu-global-nav__ctas {\n display: flex;\n gap: .4rem;\n}\n.jsu-global-nav__cta {\n font-family: 'Sora',sans-serif;\n font-size: .72rem;\n font-weight: 700;\n letter-spacing: .05em;\n text-decoration: none;\n padding: .3rem .85rem;\n border-radius: 4px;\n transition: background .15s, color .15s;\n}\n.jsu-global-nav__cta--apply {\n background: #00659E;\n color: #FFFFFF;\n}\n.jsu-global-nav__cta--apply:hover { background: #007ABB; }\n.jsu-global-nav__cta--visit {\n background: transparent;\n color: rgba(255,255,255,.8);\n border: 1px solid rgba(255,255,255,.3);\n}\n.jsu-global-nav__cta--visit:hover { background: rgba(255,255,255,.08); color: #FFFFFF; }\n.jsu-global-nav__cta--give {\n background: #3DB4F0;\n color: #002147;\n font-weight: 800;\n}\n.jsu-global-nav__cta--give:hover { background: #6DC8F5; }\n\n.jsu-global-nav__main {\n max-width: 1340px;\n margin: 0 auto;\n padding: 0 clamp(1.25rem,4vw,3rem);\n display: flex;\n align-items: center;\n justify-content: space-between;\n height: 64px;\n gap: 1.5rem;\n}\n.jsu-global-nav__logo {\n display: flex;\n align-items: center;\n gap: .65rem;\n text-decoration: none;\n flex-shrink: 0;\n}\n.jsu-global-nav__logo-mark {\n width: 44px;\n height: 44px;\n border-radius: 6px;\n background: #FFFFFF;\n display: flex;\n align-items: center;\n justify-content: center;\n flex-shrink: 0;\n}\n.jsu-global-nav__logo-mark span {\n font-family: 'Sora',sans-serif;\n font-weight: 900;\n font-size: 1.05rem;\n color: #002147;\n letter-spacing: -.03em;\n}\n.jsu-global-nav__logo-text { line-height: 1.15; }\n.jsu-global-nav__logo-text strong {\n display: block;\n font-family: 'Sora',sans-serif;\n font-weight: 800;\n font-size: .88rem;\n color: #FFFFFF;\n letter-spacing: .01em;\n}\n.jsu-global-nav__logo-text span {\n font-family: 'Sora',sans-serif;\n font-size: .62rem;\n font-weight: 500;\n letter-spacing: .14em;\n text-transform: uppercase;\n color: #3DB4F0;\n}\n\n.jsu-global-nav__menu {\n display: flex;\n align-items: center;\n gap: 0;\n list-style: none;\n}\n.jsu-global-nav__menu > li {\n position: relative;\n}\n.jsu-global-nav__menu > li > a,\n.jsu-global-nav__menu > li > button {\n display: flex;\n align-items: center;\n gap: .3rem;\n font-family: 'Sora',sans-serif;\n font-size: .82rem;\n font-weight: 600;\n color: rgba(255,255,255,.85);\n text-decoration: none;\n padding: .55rem .75rem;\n border-radius: 6px;\n background: none;\n border: none;\n cursor: pointer;\n transition: color .15s, background .15s;\n white-space: nowrap;\n}\n.jsu-global-nav__menu > li > a:hover,\n.jsu-global-nav__menu > li > button:hover {\n color: #FFFFFF;\n background: rgba(255,255,255,.08);\n}\n.jsu-global-nav__menu > li > a::after,\n.jsu-global-nav__menu > li > button.has-sub::after {\n content: '';\n display: inline-block;\n width: 0; height: 0;\n border-left: 4px solid transparent;\n border-right: 4px solid transparent;\n border-top: 4px solid currentColor;\n opacity: .6;\n margin-left: .2rem;\n transition: transform .2s;\n}\n.jsu-global-nav__menu > li:hover > button.has-sub::after,\n.jsu-global-nav__menu > li:focus-within > button.has-sub::after {\n transform: rotate(180deg);\n}\n\n\/* Dropdowns *\/\n.jsu-global-nav__dropdown {\n position: absolute;\n top: calc(100% + 4px);\n left: 0;\n min-width: 220px;\n background: #001736;\n border: 1px solid rgba(0,142,214,.25);\n border-radius: 8px;\n box-shadow: 0 8px 32px rgba(0,0,0,.4);\n padding: .5rem 0;\n opacity: 0;\n visibility: hidden;\n transform: translateY(-8px);\n transition: opacity .2s, visibility .2s, transform .2s;\n z-index: 100;\n list-style: none;\n}\n.jsu-global-nav__menu > li:hover .jsu-global-nav__dropdown,\n.jsu-global-nav__menu > li:focus-within .jsu-global-nav__dropdown {\n opacity: 1;\n visibility: visible;\n transform: translateY(0);\n}\n.jsu-global-nav__dropdown a {\n display: block;\n padding: .5rem 1.1rem;\n font-family: 'Sora',sans-serif;\n font-size: .82rem;\n font-weight: 500;\n color: rgba(255,255,255,.8);\n text-decoration: none;\n transition: color .15s, background .15s;\n}\n.jsu-global-nav__dropdown a:hover {\n color: #FFFFFF;\n background: rgba(0,142,214,.15);\n}\n.jsu-global-nav__dropdown .drop-group-label {\n display: block;\n padding: .65rem 1.1rem .25rem;\n font-family: 'Sora',sans-serif;\n font-size: .65rem;\n font-weight: 700;\n letter-spacing: .12em;\n text-transform: uppercase;\n color: #3DB4F0;\n border-top: 1px solid rgba(0,142,214,.2);\n margin-top: .35rem;\n}\n.jsu-global-nav__dropdown .drop-group-label:first-child {\n border-top: none;\n margin-top: 0;\n}\n\n\/* Mobile menu toggle *\/\n.jsu-global-nav__mob-btn {\n display: none;\n background: none;\n border: 1px solid rgba(255,255,255,.3);\n border-radius: 6px;\n color: #FFFFFF;\n padding: .45rem .65rem;\n cursor: pointer;\n font-size: 1.15rem;\n line-height: 1;\n transition: background .15s;\n}\n.jsu-global-nav__mob-btn:hover { background: rgba(255,255,255,.1); }\n\n\/* Page body offset for fixed nav *\/\nbody { padding-top: 0 !important; }\n.breadcrumb {\n margin-top: 54px !important; }\n.admin-bar .breadcrumb {\n margin-top: 46px !important; }\n#main-content { scroll-margin-top: 104px !important; }\n\n\/* Sections scroll past nav *\/\n[id] { scroll-margin-top: 104px; }\n\n@media(max-width: 1024px) {\n .jsu-global-nav__menu { display: none; }\n .jsu-global-nav__mob-btn { display: flex; align-items: center; justify-content: center; }\n}\n@media(max-width: 600px) {\n .jsu-global-nav__logo-text { display: none; }\n}\n\n\n\/* \u2550\u2550 PDF \/ Document Inline Viewer \u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550 *\/\n.doc-embed-wrap {\n margin: 1.25rem 0;\n border: 1px solid #C2D4E6;\n border-radius: 10px;\n overflow: hidden;\n background: #F3F7FB;\n}\n.doc-embed-toolbar {\n display: flex;\n align-items: center;\n justify-content: space-between;\n padding: .6rem 1rem;\n background: #002147;\n gap: .75rem;\n flex-wrap: wrap;\n}\n.doc-embed-toolbar__title {\n font-family: 'Sora',sans-serif;\n font-size: .82rem;\n font-weight: 600;\n color: #FFFFFF;\n flex: 1;\n min-width: 0;\n white-space: nowrap;\n overflow: hidden;\n text-overflow: ellipsis;\n}\n.doc-embed-toolbar__actions {\n display: flex;\n gap: .4rem;\n flex-shrink: 0;\n}\n.doc-embed-toolbar__btn {\n font-family: 'Sora',sans-serif;\n font-size: .72rem;\n font-weight: 700;\n letter-spacing: .04em;\n padding: .3rem .75rem;\n border-radius: 5px;\n text-decoration: none;\n transition: background .15s, color .15s;\n white-space: nowrap;\n}\n.doc-embed-toolbar__btn--view {\n background: #00659E;\n color: #FFFFFF;\n border: 1px solid #008ED6;\n}\n.doc-embed-toolbar__btn--view:hover { background: #007ABB; }\n.doc-embed-toolbar__btn--dl {\n background: rgba(255,255,255,.12);\n color: rgba(255,255,255,.9);\n border: 1px solid rgba(255,255,255,.25);\n}\n.doc-embed-toolbar__btn--dl:hover { background: rgba(255,255,255,.2); color: #FFFFFF; }\n.doc-embed-frame {\n width: 100%;\n height: 560px;\n border: none;\n display: block;\n background: #FFFFFF;\n}\n@media(max-width:600px){ .doc-embed-frame { height: 380px; } }\n\n\n.pdf-embed-wrap{border-radius:8px;overflow:hidden;box-shadow:0 2px 16px rgba(0,21,46,.1);margin:1.5rem 0;}\n.pdf-embed-header{background:#002147;padding:.75rem 1.25rem;display:flex;align-items:center;justify-content:space-between;gap:1rem;flex-wrap:wrap;}\n.pdf-embed-title{font-family:'Sora',sans-serif;font-weight:700;font-size:.88rem;color:#FFFFFF;}\n.pdf-embed-actions{display:flex;gap:.5rem;flex-wrap:wrap;}\n.pdf-btn{font-family:'Sora',sans-serif;font-size:.75rem;font-weight:600;padding:.35rem .85rem;border-radius:4px;text-decoration:none;transition:background .15s;white-space:nowrap;}\n.pdf-btn--view{background:rgba(255,255,255,.15);color:#FFFFFF;}\n.pdf-btn--view:hover{background:rgba(255,255,255,.25);}\n.pdf-btn--dl{background:#00659E;color:#FFFFFF;}\n.pdf-btn--dl:hover{background:#007ABB;}\n.pdf-embed-frame{display:block;background:#F3F7FB;width:100%;border:1px solid #C2D4E6;border-radius:0 0 8px 8px;}\n\n<\/style>\n<style>\n.cards-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:1.5rem}\n.card{position:relative;overflow:hidden;display:flex;flex-direction:column;transition:border-color .25s ease,box-shadow .25s ease,transform .25s ease !important;background:#FFFFFF;border:1px solid #C2D4E6;border-radius:12px}\n.card::before{content:\"\";position:absolute;top:0;left:0;right:0;height:4px;background:linear-gradient(90deg,#00629A 0%,#008ED6 100%);opacity:.9}\n.card__body{padding:1.7rem 1.6rem;flex:1;display:flex;flex-direction:column}\n.card__title{font-family:'Sora',sans-serif;font-size:1.15rem;font-weight:700;line-height:1.3;margin-bottom:.7rem;color:#002147}\n.card__title a{color:#00629A;text-decoration:none}\n.card__title a:hover{text-decoration:underline}\n.card__text{font-family:'Crimson Pro',Georgia,serif;font-size:1.02rem;line-height:1.65;color:#1C2430}\n.card__text p{margin:0 0 .7rem}\n.card__text p:last-child{margin:0}\n.card__text a{color:#00629A;text-decoration:none;font-weight:700}\n.card__text a:hover{text-decoration:underline}\n.card__text strong{color:#002147}\n\n\/* Procedure blocks *\/\n.proc{background:#FFFFFF;border:1px solid #C2D4E6;border-radius:12px;padding:1.85rem 2rem;margin-bottom:1.35rem;position:relative;overflow:hidden}\n.proc::before{content:\"\";position:absolute;top:0;left:0;bottom:0;width:4px;background:linear-gradient(180deg,#00629A 0%,#008ED6 100%)}\n.proc__title{font-family:'Sora',sans-serif;font-size:1.22rem;font-weight:800;color:#002147;margin:0 0 1rem;line-height:1.3}\n.proc p{font-family:'Crimson Pro',Georgia,serif;font-size:1.05rem;line-height:1.7;color:#1C2430;margin:0 0 1rem}\n.proc p:last-child{margin-bottom:0}\n.proc strong{color:#002147}\n.proc a{color:#00629A;text-decoration:none;font-weight:700}\n.proc a:hover{text-decoration:underline}\n.proc__sub{font-family:'Sora',sans-serif;font-size:1rem;font-weight:800;color:#00629A;margin:1.25rem 0 .6rem}\n.proc ol,.proc ul{margin:0 0 1rem;padding-left:0;list-style:none;counter-reset:pl}\n.proc ol{counter-reset:pl}\n.proc ol>li{position:relative;counter-increment:pl;padding:.7rem 0 .7rem 3rem;border-top:1px solid #E6EEF6;font-family:'Crimson Pro',Georgia,serif;font-size:1.05rem;line-height:1.6;color:#1C2430}\n.proc ol>li::before{content:counter(pl);position:absolute;left:0;top:.7rem;width:1.85rem;height:1.85rem;border-radius:50%;background:linear-gradient(135deg,#00629A 0%,#008ED6 100%);color:#FFFFFF;font-family:'Sora',sans-serif;font-weight:800;font-size:.9rem;display:flex;align-items:center;justify-content:center}\n.proc ul>li{position:relative;padding:.55rem 0 .55rem 1.6rem;font-family:'Crimson Pro',Georgia,serif;font-size:1.05rem;line-height:1.6;color:#1C2430}\n.proc ul>li::before{content:\"\";position:absolute;left:.35rem;top:1.15rem;width:.5rem;height:.5rem;border-radius:50%;background:#008ED6}\n.proc ol>li ul{margin:.5rem 0 0}\n.proc ol>li ul>li{padding:.35rem 0 .35rem 1.6rem;border:none}\n.proc__note{background:#EAF4FB;border-left:4px solid #008ED6;border-radius:0 8px 8px 0;padding:.95rem 1.3rem;margin:1rem 0 0;font-family:'Crimson Pro',Georgia,serif;font-size:1.02rem;line-height:1.6;color:#1C2430}\n\n\/* Quick links units *\/\n.qlink-row{display:flex;flex-wrap:wrap;gap:.75rem}\n.qlink{display:inline-flex;align-items:center;gap:.55rem;background:#FFFFFF;border:1px solid #C2D4E6;border-radius:999px;padding:.6rem 1.25rem;font-family:'Sora',sans-serif;font-size:.9rem;font-weight:600;color:#00629A;text-decoration:none;transition:border-color .2s ease,background .2s ease}\n.qlink::before{content:\"\";width:.5rem;height:.5rem;border-radius:50%;background:#008ED6;flex-shrink:0}\n.qlink:hover{border-color:#008ED6;background:#F3F7FB}\n\n\/* Timeline callout *\/\n.timeline{background:#FFF8E1;border-left:4px solid #B45309;border-radius:0 10px 10px 0;padding:1.6rem 1.85rem}\n.timeline__title{font-family:'Sora',sans-serif;font-size:1.1rem;font-weight:800;color:#7A3607;margin:0 0 .7rem}\n.timeline p{font-family:'Crimson Pro',Georgia,serif;font-size:1.05rem;line-height:1.7;color:#1C2430;margin:0 0 .8rem}\n.timeline strong{color:#7A3607}\n.timeline ul{margin:.5rem 0 .8rem;padding-left:1.5rem}\n.timeline li{font-family:'Crimson Pro',Georgia,serif;font-size:1.03rem;line-height:1.6;color:#1C2430;margin:.3rem 0}\n.timeline__fine{font-size:.95rem;font-style:italic;color:#4A5060;margin:0}\n\n\/* Contact items *\/\n.contact-items{display:flex;flex-wrap:wrap;gap:2.5rem;margin-top:0}\n.contact-item{display:flex;gap:.85rem;align-items:flex-start;margin-bottom:0}\n\n\/* \u2550\u2550\u2550 ADA CONTRAST HARDENING OVERRIDES \u2550\u2550\u2550 *\/\n.card__title{color:#002147 !important}\n.card__text{color:#1C2430 !important}\n.proc__title{color:#002147 !important}\n.proc p{color:#1C2430 !important}\n.proc__sub{color:#00629A !important}\n.proc ol>li,.proc ul>li{color:#1C2430 !important}\n.proc__note{color:#1C2430 !important}\n.qlink{color:#00629A !important}\n.timeline__title{color:#7A3607 !important}\n.timeline p,.timeline li{color:#1C2430 !important}\n.timeline__fine{color:#4A5060 !important}\n\n@media (max-width: 760px){\n.cards-grid{grid-template-columns:1fr;gap:1rem}\n.proc{padding:1.5rem 1.4rem}\n.contact-items{gap:1.5rem}\n}\n<\/style>\n<\/head>\n<body>\n\n<a href=\"#main-content\" class=\"skip-link\">Skip to main content<\/a>\n\n<nav class=\"breadcrumb\" aria-label=\"Breadcrumb\">\n<div class=\"w\"><ol class=\"breadcrumb__list\">\n <li><a href=\"https:\/\/www.jsums.edu\/\">JSU Home<\/a><\/li>\n <li><a href=\"https:\/\/www.jsums.edu\/financialaid\">Financial Aid<\/a><\/li>\n <li><span aria-current=\"page\">Awarding of Title IV Funds<\/span><\/li>\n<\/ol><\/div>\n<\/nav>\n\n<main id=\"main-content\" class=\"jsu-main-content\">\n\n \n <section class=\"hero dk\" aria-labelledby=\"hero-h\">\n <div class=\"w\"><div class=\"hero__inner\"><div>\n <span class=\"hero__tag\">JSU · Financial Aid<\/span>\n <h1 class=\"hero__title\" id=\"hero-h\">\n Awarding of Title IV <em>funds<\/em>\n <\/h1>\n <p class=\"hero__desc\">\n The Financial Aid Office’s institutional packaging policy for the\n consistent, equitable, and fair distribution of financial aid funds.\n <\/p>\n <div class=\"hero__btns\">\n <a href=\"#how\" class=\"btn btn--primary\">Packaging Policy<\/a>\n <a href=\"#contact\" class=\"btn btn--outline-white\">Contact<\/a>\n <\/div>\n <\/div><\/div><\/div>\n <\/section>\n\n \n <section class=\"sec\" id=\"how\" aria-labelledby=\"how-h\">\n <div class=\"w\">\n <div class=\"sec-head\" style=\"margin-bottom:1.5rem;\">\n <span class=\"sec-eyebrow\">Awarding of Title IV funds<\/span>\n <h2 class=\"sec-title\" id=\"how-h\">Institutional packaging & awarding policy<\/h2>\n <\/div>\n <div class=\"proc\">\n <h3 class=\"proc__title\">Institutional Packaging Policy<\/h3>\n <p>The FAO staff has developed an institutional packaging policy to ensure consistent, equitable, and fair distribution of financial aid funds.<\/p>\n <p>One of the greatest challenges the Financial Aid Office faces is the construction of an award package using limited resources. The packaging process combines various types of aid from a variety of sources. It closes the gap between the school’s Cost of Attendance and the student’s ability to pay. Most financial aid packages will not meet 100% of the applicants calculated need.<\/p>\n <p>To be considered for Federal Financial Aid the student must apply by completing the Free Application for Federal Student Aid (FAFSA) online at www.fafsa.ed.gov. The family’s information entered on the application is used to calculate the Expected Family Contribution (EFC). The results of the application must be received by the school in the form of an Institutional Student Information Record (ISIR) with the calculated EFC by the Central Processing System for the Department of Education. The results from the data is used to communication with student and to begin the packaging process.<\/p>\n <p>The financial aid package is based on first-come, first- served, priority given to students with exceptional need (students with the lowest EFC and Pell eligible) for FSEOG. The FSEOG must be made reasonably available to all eligible applicants (FTF, FR, SO, JR and SR). Undergraduate grade levels are considered for FSEOG based on the above criteria. Due to limited program funds, not all eligible applicants will be awarded FSEOG. FWS is awarded based on the above criteria for students (undergraduates and graduates) who indicate they are interested in work study on their FAFSA. Due to the limited program funds, not all eligible applicants will be awarded FWS.<\/p>\n <p>Financial aid packages are created for students throughout the academic year. Applicants whose financial aid files are complete by the priority deadline date will be given consideration for funding resources according to funding criteria and the availability of certain funds (FSEOG and FWS). All eligible financial aid applicants are packaged their full eligibility for programs they qualify for if funds are available not to exceed the cost of attendance.<\/p>\n <\/div>\n <div class=\"proc\">\n <h3 class=\"proc__title\">Institutional Packaging Procedures<\/h3>\n <p>Financial Aid is packaged using the Need Formula Equation:<\/p>\n <p><em>Cost of Attendance – Expected Family Contribution = Need<\/em><\/p>\n <p>Financial Need is funded by various sources on a first-come, first-served basis, based on the availability of funds. Funds are awarded in the following sequence:<\/p>\n <ol>\n <li>Outside resources (if known)<\/li>\n <li>Scholarships (if awarded)<\/li>\n <li>Grants<\/li>\n <li>Federal Pell based on eligibility<\/li>\n <li>FSEOG based on the availability of funds and awarded to exceptionally needy undergraduate students (lowest EFC and Pell grant eligible)<\/li>\n <li>Federal Work Study based on the availability of funds and financial need (undergraduate and graduate students who indicate on FAFSA interested in work)<\/li>\n <li>Direct Loans:\n <ul>\n <li>Direct Subsidized Stafford based on financial need<\/li>\n <li>Direct Unsubsidized Stafford non-need based<\/li>\n <li>Direct PLUS non-need based<\/li>\n <\/ul>\n <\/li>\n <\/ol>\n <p>Federal Perkins Loan based on availability of funds and financial need (exceptional need determined by institution)<\/p>\n <\/div>\n <div class=\"proc\">\n <h3 class=\"proc__title\">Determination of Aid Awarded<\/h3>\n <p>The Director, in conjunction with the Assistant Director and Financial Aid staff, determines the total aid to be awarded during an academic year. The Department of Education sends the FAO email communications regarding the tentative and final award notifications for the Campus Based Programs. The school’s information is accessed via the eCampus- Based web site (<a href=\"http:\/\/cbfisap.ed.gov\">http:\/\/cbfisap.ed.gov<\/a>). Determining the total funds available for awarding includes careful evaluation and projection of available funds for the upcoming academic year. The evaluations and projections are based on historical data, trends and current data.<\/p>\n <\/div>\n <div class=\"proc\">\n <h3 class=\"proc__title\">Award notification and related policies<\/h3>\n <p class=\"proc__sub\">Outside Resources<\/p>\n <p>Students are encouraged to seek assistance from outside resources. It is required that all outside assistance be reported to the FAO. Student aid including outside resources, may not exceed the student’s cost of attendance. Therefore, if a student has been awarded by the aid office and receives an outside award, an adjustment to the original award may be necessary.<\/p>\n <p class=\"proc__sub\">Award Notification<\/p>\n <p>Students receive financial aid award notification via award notification letter or e-Communication. Students are not required to return the award notification letter back to the FAO, if they accept the award. Students wishing to decline part or the entire award may make adjustments on the award notification and return it back to the FAO for adjustments or may do so by e-Communication or online. If adjustments are made to the award, the student will receive another award notification letter.<\/p>\n <p class=\"proc__sub\">Summer Aid<\/p>\n <p>There are only a few financial aid programs for which students may apply for during the summer. If a student has eligibility for a Pell Grant and has not used his\/her entire scheduled award during the academic year, the appropriate remainder may be used during the summer enrollment period.<\/p>\n <p>Students may also apply for Direct Federal (Subsidized and Unsubsidized) loans if they have not used their annual loan limits for the academic year. Parents of dependents students may apply for the Direct PLUS and graduate students may apply for the Direct Graduate Plus for summer.<\/p>\n <p class=\"proc__sub\">Consortium Agreements<\/p>\n <p>A student may receive Title IV aid if he\/she is taking courses at two or more schools, if the participating institutions enter into a consortium agreement. A consortium agreement specifies which institution will process and disburse student aid. The agreement also should stipulate which institution will consider the student enrolled. The institution that disburses the aid is responsible for keeping records and returning Title IV funds in the case of an overaward.<\/p>\n <p class=\"proc__sub\">International Students<\/p>\n <p>International students are not eligible for federal or state financial aid because they do not meet the citizenship requirement. International students may receive non-federal aid and are encouraged to apply for such aid. International students seeking assistance are referred to the Office of International Studies.<\/p>\n <\/div>\n <div class=\"proc\">\n <h3 class=\"proc__title\">Revision of Financial Aid Awards<\/h3>\n <p>Once an award letter is sent to the student, there may be instances which warrant a change to the original notification. An Aid Administrator may review a student’s circumstances, make an adjustment to an award, and release a revised award letter. This revised award invalidates the original award notice.<\/p>\n <p class=\"proc__sub\">Revision Initiated by the Financial Aid Office<\/p>\n <p>The FAO will automatically consider a revision in a student’s aid package when the following occurs:<\/p>\n <ol>\n <li>There is conflicting information in the file.<\/li>\n <li>There are changes resulting from verification.<\/li>\n <li>There is a change in availability of funds.<\/li>\n <li>Outside resources not counted in original award<\/li>\n <li>Error made by FAO<\/li>\n <\/ol>\n <p class=\"proc__sub\">Revisions Initiated by Request from Student<\/p>\n <p>Students may decline any portion of their award. If a student wants to add an award (outside resources), the award is updated to reflect the appropriate adjustments made. It is the student’s responsibility to notify the Financial Aid Office of changes in a student’s resources.<\/p>\n <\/div>\n <div class=\"proc\">\n <h3 class=\"proc__title\">Overawards<\/h3>\n <p>An overaward occurs any time a student’s disbursed financial aid (federal, institutional, and outside aid) and other resources exceed the cost of attendance for the award period by more than an allowable tolerance.<\/p>\n <p class=\"proc__sub\">Eliminating an Overawards<\/p>\n <p>Before reducing a student’s aid package because of an overaward, the Aid Administrator should always attempt to alleviate the situation by reducing or eliminating the overaward. The following possible allowances should be checked.<\/p>\n <p>1) Increase budget using allowable expenses; 2) Adjust EFC; Adjust undisbursed funds (all undisbursed financial aid funds must be withdrawn in the case of an overaward).<\/p>\n <p class=\"proc__sub\">Causes of an Overaward and\/ or Overpayment<\/p>\n <p>There are several causes of an overaward:<\/p>\n <ol>\n <li>Student wages – the student earns more than the awarded FWSP allocation.<\/li>\n <li>Change in the enrollment status – the student withdraws or drops below the projected enrollment status.<\/li>\n <li>Reduction in cost of attendance – the student changes budget categories.<\/li>\n <li>Additional resources – the student has resources greater than those used to calculate the award.<\/li>\n <li>Administrative error – the Aid Administrator inadvertently makes an error.<\/li>\n <li>Fraud – the student intentionally deceives or misrepresents information to obtain funds.<\/li>\n <\/ol>\n <p>Treatment of an Overaward : Direct Loan awards will be adjusted by reducing or canceling subsequent loan disbursements, replacing EFC by converting subsidized into unsubsidized loan amount,<\/p>\n <\/div>\n <div class=\"proc\">\n <h3 class=\"proc__title\">Processing Loans<\/h3>\n <p>Process of processing student loans:<\/p>\n <ul>\n <li>Student completes the FAFSA, adds JSU school code<\/li>\n <li>JSU determines eligibility and loan types and amounts<\/li>\n <li>JSU notifies the student of award<\/li>\n <li>Student accepts the loan award(s)<\/li>\n <li>Student completes entrance counseling and MPN<\/li>\n <li>JSU receives the entrance counseling and MPN files from COD and the files are loaded into Banner<\/li>\n <li>Direct Loans are certified for students meeting eligibility requirements<\/li>\n <li>Direct Loans certification records are originated and submitted to COD for acceptance and acknowledgement<\/li>\n <li>JSU receives the Direct Loan records’ acknowledgement (accepted, corrected or rejected) files from COD and the files are loaded into Banner<\/li>\n <li>JSU works the discrepancy reports and resubmits the Direct Loan originations corrected to COD.<\/li>\n <li>JSU receives the Direct Loan records’ acknowledgement files from COD and the files are loaded into Banner<\/li>\n <li>The electronic process for authorization and disbursement is run after the last date to add and drop classes for the enrollment period. This process checks the students’ eligibility for disbursement.<\/li>\n <li>JSU sends the students disbursement notifications<\/li>\n <li>Direct Loan origination and disbursement records are sent electronically To the Common Origination and Disbursement system (COD) as required.<\/li>\n <li>COD sends acknowledgement records electronically back to JSU and these files are loaded into Banner.<\/li>\n <\/ul>\n <\/div>\n <div class=\"proc\">\n <h3 class=\"proc__title\">Financial Aid Histories<\/h3>\n <p>Financial aid history data is collected through the National Student Loan Data System for the students at JSU.<\/p>\n <p>National Student Loan Data System (NSLDS): Schools are required to use NSLDS as the official source of student financial aid histories. The Department of Education has developed a process call “NSLDS Transfer Monitoring” to provide schools with the latest student’s financial aid history. Mid-year transfer students are required to be added to a transfer monitor file so the institution can use the updated financial aid history to make mid-year awards.<\/p>\n <p>JSU is required to review all pushed subsequent transaction of the ISIR for a student the entire processing year. This includes review of previously verified earlier transaction. The review process shall determine if:<\/p>\n <ul>\n <li>the EFC or the “C” flag has changed or<\/li>\n <li>there are new comment codes<\/li>\n <li>there are NSLDS changes that impact eligibility and<\/li>\n <li>updates or corrections to data elements<\/li>\n <\/ul>\n <p>The pushed ISIRs are loaded through the data load process with the updated NSLDS information loaded into Banner. The Financial Counselor and Specialist are responsible for reviewing the updated NSLDS information to determine if the student remains eligible for financial aid and the current award. If not, the Counselors much take the appropriate action to resolve the eligibility issue with the student and notify the student of needed action or action taken. The pushed ISIR report must be worked by the Counselors daily when JSU receives updated information from NSLDS.<\/p>\n <\/div>\n <\/div>\n <\/section>\n\n \n <section class=\"sec sec--off\" id=\"quicklinks\" aria-labelledby=\"quicklinks-h\">\n <div class=\"w\">\n <div class=\"sec-head\" style=\"margin-bottom:1.25rem;\">\n <span class=\"sec-eyebrow\">Quick links – units<\/span>\n <h2 class=\"sec-title\" id=\"quicklinks-h\">Quick links<\/h2>\n <\/div>\n <div class=\"qlink-row\">\n <a class=\"qlink\" href=\"https:\/\/www.jsums.edu\/financialaid\/files\/2025\/02\/24.25-Financial-Aid-Checklist.pdf\">Financial Aid Checklist<\/a>\n <a class=\"qlink\" href=\"https:\/\/www.jsums.edu\/financialaid\/files\/2020\/11\/FAQs-for-Financial-Aid.pdf\">Financial Aid FAQs<\/a>\n <a class=\"qlink\" href=\"https:\/\/www.jsums.edu\/financialaid\/financial-aid-forms\/\">Financial Aid Forms<\/a>\n <a class=\"qlink\" href=\"https:\/\/www.jsums.edu\/financialaid\/2017\/11\/19\/rights-and-responsibilities\/\">Rights And Responsibilities<\/a>\n <a class=\"qlink\" href=\"https:\/\/www.jsums.edu\/admissions\/parents-and-families\/\">Parents And Families<\/a>\n <a class=\"qlink\" href=\"https:\/\/www.jsums.edu\/financialaid\/creating-an-fsaid\/\">Creating A Federal Student Aid ID (FSA ID)<\/a>\n <a class=\"qlink\" href=\"https:\/\/www.jsums.edu\/businessfinance\/tuition-and-fees\/#Fees\">Tuition And Fees<\/a>\n <a class=\"qlink\" href=\"https:\/\/www.jsums.edu\/financialaid\/files\/2021\/02\/2021-2022-View-Your-Financial-Aid-Status.pdf\">Financial Aid Status<\/a>\n <a class=\"qlink\" href=\"https:\/\/www.jsums.edu\/financialaid\/files\/2020\/06\/2020-2021-When-the-Financial-Aid-Award-Package-is-Not-Enough-.pdf\">When The Financial Aid Package Is Not Enough<\/a>\n <a class=\"qlink\" href=\"https:\/\/www.jsums.edu\/financialaid\/files\/2017\/08\/Financial-Aid-Repeat-Course-Policy.pdf\">Financial Aid Repeat Course Policy<\/a>\n <\/div>\n <\/div>\n <\/section>\n\n \n <section class=\"sec\" id=\"help\" aria-labelledby=\"help-h\">\n <div class=\"w\">\n <div class=\"sec-head\" style=\"margin-bottom:1.5rem;\">\n <span class=\"sec-eyebrow\">Let us help you<\/span>\n <h2 class=\"sec-title\" id=\"help-h\">Let us help you<\/h2>\n <\/div>\n <div class=\"cards-grid\" style=\"margin-bottom:1.75rem;\">\n <div class=\"card\"><div class=\"card__body\">\n <div class=\"card__title\"><a href=\"https:\/\/studentaid.gov\/h\/apply-for-aid\/fafsa\">FAFSA<\/a><\/div>\n <div class=\"card__text\"><p>Students seeking federal financial aid are required to complete the Free Application for Federal Student Aid (<a href=\"https:\/\/studentaid.gov\/h\/apply-for-aid\/fafsa\">FAFSA<\/a>). Jackson State University’s priority deadline is April 15th each year. <strong>Access Financial Aid Forms<\/strong>. <a href=\"https:\/\/www.jsums.edu\/financialaid\/financial-aid-forms\/\">Click Here<\/a>. Frequently asked questions concerning Financial Aid. <a href=\"https:\/\/www.jsums.edu\/financialaid\/files\/2020\/11\/FAQs-for-Financial-Aid.pdf\">Click Here<\/a><\/p><\/div>\n <\/div><\/div>\n <div class=\"card\"><div class=\"card__body\">\n <div class=\"card__title\"><a href=\"https:\/\/www.jsums.edu\/financialaid\/cares-act\/\">CARES Act Emergency Assistance for Students<\/a><\/div>\n <div class=\"card__text\"><p>Emergency assistance for students through the CARES Act. <a href=\"https:\/\/www.jsums.edu\/financialaid\/cares-act\/\">Learn more<\/a>.<\/p><\/div>\n <\/div><\/div>\n <\/div>\n <div class=\"timeline\">\n <p class=\"timeline__title\">Service timeline for submitted documents<\/p>\n <p>All documents submitted to the Office of Financial Aid can take up to <strong>21 business days<\/strong> for processing.<\/p>\n <p><strong>To prevent a delay in processing your documents, please be sure to:<\/strong><\/p>\n <ul>\n <li>Verify documents are filled completely, legible and signed.<\/li>\n <li>Check that documents that require a signature have HANDWRITTEN signatures; no typed or electronic signatures are acceptable.<\/li>\n <li>Verify that all documents contain the student’s name and J-Number.<\/li>\n <\/ul>\n <p class=\"timeline__fine\">*Business days do not include the weekends, holidays, and all other unspecified days the university is closed.<\/p>\n <\/div>\n <\/div>\n <\/section>\n\n \n <section class=\"cta-band dk\" aria-labelledby=\"cta-h\">\n <div class=\"w\"><div class=\"cta-band__inner\">\n <div>\n <h2 class=\"cta-band__title\" id=\"cta-h\">Questions about your award?<\/h2>\n <p class=\"cta-band__sub\">Email the Financial Aid Office at finaid@jsums.edu and include your J-number, or call (866) THEE-JSU.<\/p>\n <\/div>\n <div class=\"cta-band__btns\">\n <a href=\"mailto:finaid@jsums.edu\" class=\"btn btn--primary\">Email finaid@jsums.edu<\/a>\n <a href=\"tel:+18668433578\" class=\"btn btn--outline-white\">Call 866-843-3578<\/a>\n <\/div>\n <\/div><\/div>\n <\/section>\n\n \n <section class=\"sec sec--surface\" id=\"contact\" aria-labelledby=\"contact-h\">\n <div class=\"w\">\n <div class=\"sec-head\" style=\"margin-bottom:1.5rem;\">\n <span class=\"sec-eyebrow\">Division of Financial Aid<\/span>\n <h2 class=\"sec-title\" id=\"contact-h\">Location<\/h2>\n <\/div>\n <div class=\"contact-items\">\n <div class=\"contact-item\"><div class=\"contact-icon\" aria-hidden=\"true\">📍<\/div>\n <div><div class=\"contact-item__label\">Location<\/div>\n <div class=\"contact-item__val\">Jackson State University<br>Financial Aid Office<br>PO Box 17065<br>Jackson, MS 39217<\/div><\/div><\/div>\n <div class=\"contact-item\"><div class=\"contact-icon\" aria-hidden=\"true\">✉<\/div>\n <div><div class=\"contact-item__label\">Email<\/div>\n <div class=\"contact-item__val\"><a href=\"mailto:finaid@jsums.edu\">finaid@jsums.edu<\/a><\/div><\/div><\/div>\n <div class=\"contact-item\"><div class=\"contact-icon\" aria-hidden=\"true\">📞<\/div>\n <div><div class=\"contact-item__label\">Phone<\/div>\n <div class=\"contact-item__val\"><a href=\"tel:+18668433578\">(866) THEE‑JSU \/ 866-843-3578<\/a><\/div><\/div><\/div>\n <div class=\"contact-item\"><div class=\"contact-icon\" aria-hidden=\"true\">📨<\/div>\n <div><div class=\"contact-item__label\">Fax<\/div>\n <div class=\"contact-item__val\">(601) 979-2237<\/div><\/div><\/div>\n <\/div>\n <\/div>\n <\/section>\n\n<\/main>\n\n<button class=\"fnav-toggle\" aria-label=\"Open page navigation menu\" aria-expanded=\"false\" aria-controls=\"fnav-drawer\" type=\"button\">\n <span class=\"fnav-toggle__icon\" aria-hidden=\"true\">☰<\/span>\n <span class=\"fnav-toggle__label\">Menu<\/span>\n<\/button>\n\n<div class=\"fnav-overlay\" id=\"fnav-overlay\" aria-hidden=\"true\"><\/div>\n\n<nav class=\"fnav-drawer\" id=\"fnav-drawer\" aria-label=\"Page navigation\" aria-hidden=\"true\">\n <div class=\"fnav-drawer__header\">\n <div>\n <span class=\"fnav-drawer__eyebrow\">JSU · Financial Aid<\/span>\n <span class=\"fnav-drawer__title\">Financial Aid<\/span>\n <\/div>\n <button class=\"fnav-close\" aria-label=\"Close navigation menu\" type=\"button\">×<\/button>\n <\/div>\n <div class=\"fnav-drawer__body\">\n <div class=\"fnav-group\">\n <ul class=\"fnav-group__items\" role=\"list\">\n <li>\n <a href=\"https:\/\/www.jsums.edu\/financialaid\/#WELCOME\" class=\"fnav-item\" aria-current=\"false\">\n <span class=\"fnav-item__dot\" aria-hidden=\"true\"><\/span>\n <span class=\"fnav-item__text\">Home<\/span>\n <\/a>\n <\/li>\n <li>\n <a href=\"https:\/\/www.jsums.edu\/financialaid\/applying-for-fiancial-aid\/#HOW\" class=\"fnav-item\" aria-current=\"false\">\n <span class=\"fnav-item__dot\" aria-hidden=\"true\"><\/span>\n <span class=\"fnav-item__text\">How To Apply<\/span>\n <\/a>\n <\/li>\n <li>\n <a href=\"https:\/\/www.jsums.edu\/financialaid\/one-big-beautiful-bill-act\/\" class=\"fnav-item\" aria-current=\"false\">\n <span class=\"fnav-item__dot\" aria-hidden=\"true\"><\/span>\n <span class=\"fnav-item__text\">One Big Beautiful Bill Act<\/span>\n <\/a>\n <\/li>\n <li>\n <a href=\"https:\/\/www.jsums.edu\/financialaid\/types-of-financial-aid\/\" class=\"fnav-item\" aria-current=\"false\">\n <span class=\"fnav-item__dot\" aria-hidden=\"true\"><\/span>\n <span class=\"fnav-item__text\">Types<\/span>\n <\/a>\n <\/li>\n <li>\n <a href=\"https:\/\/www.jsums.edu\/financialaid\/resources\/\" class=\"fnav-item\" aria-current=\"false\">\n <span class=\"fnav-item__dot\" aria-hidden=\"true\"><\/span>\n <span class=\"fnav-item__text\">Resources<\/span>\n <\/a>\n <\/li>\n <li>\n <a href=\"https:\/\/www.jsums.edu\/financialaid\/applying-for-financial-aid-2\/\" class=\"fnav-item\" aria-current=\"false\">\n <span class=\"fnav-item__dot\" aria-hidden=\"true\"><\/span>\n <span class=\"fnav-item__text\">Financial Aid Videos<\/span>\n <\/a>\n <\/li>\n <li>\n <a href=\"https:\/\/www.jsums.edu\/financialaid\/financial-aid-forms\/#Learn\" class=\"fnav-item\" aria-current=\"false\">\n <span class=\"fnav-item__dot\" aria-hidden=\"true\"><\/span>\n <span class=\"fnav-item__text\">Financial Aid Forms<\/span>\n <\/a>\n <\/li>\n <li>\n <a href=\"https:\/\/www.jsums.edu\/financialaid\/consumer-information\/\" class=\"fnav-item\" aria-current=\"false\">\n <span class=\"fnav-item__dot\" aria-hidden=\"true\"><\/span>\n <span class=\"fnav-item__text\">Consumer Information<\/span>\n <\/a>\n <\/li>\n <li>\n <a href=\"https:\/\/www.jsums.edu\/financialaid\/contact-2\/\" class=\"fnav-item\" aria-current=\"false\">\n <span class=\"fnav-item__dot\" aria-hidden=\"true\"><\/span>\n <span class=\"fnav-item__text\">Contact Us<\/span>\n <\/a>\n <\/li>\n <\/ul>\n <\/div>\n <\/div>\n <div class=\"fnav-drawer__footer\">\n <a href=\"https:\/\/www.jsums.edu\/financialaid\" class=\"fnav-footer-link\" style=\"color:#FFFFFF !important;\">← Financial Aid<\/a>\n <\/div>\n<\/nav>\n\n<button class=\"jsu-btt\" id=\"jsu-btt\" aria-label=\"Back to top\" 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a{color:#3DB4F0;text-decoration:underline;}\n.footer__col-title{font-family:'Sora',sans-serif;font-size:.7rem;font-weight:700;letter-spacing:.15em;text-transform:uppercase;color:#96A0AE;margin-bottom:.85rem;}\n.site-footer nav ul{display:grid;gap:.5rem;}\n.site-footer nav a{font-family:'Sora',sans-serif;font-size:.85rem;color:#C0C8D4;transition:color .15s;}\n.site-footer nav a:hover{color:#FFFFFF;}\n.footer__legal{border-top:1px solid rgba(255,255,255,.08);padding-top:1.5rem;display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:1rem;}\n.footer__legal p{font-family:'Sora',sans-serif;font-size:.78rem;color:#96A0AE;}\n.footer__legal-links{display:flex;flex-wrap:wrap;gap:1rem;}\n.footer__legal-links a{font-family:'Sora',sans-serif;font-size:.78rem;color:#96A0AE;text-decoration:underline;}\n.footer__legal-links a:hover{color:#FFFFFF;}\n.fnav-toggle{position:fixed;right:0;top:50%;transform:translateY(-50%) translateX(0);z-index:500;display:flex;flex-direction:column;align-items:center;justify-content:center;gap:.25rem;background:#002147;color:#FFFFFF;border:none;border-radius:6px 0 0 6px;padding:.9rem .55rem;cursor:pointer;box-shadow:-2px 0 12px rgba(0,21,46,.35);opacity:0;visibility:hidden;transform:translateY(-50%) translateX(100%);transition:opacity .3s ease,visibility .3s ease,transform .3s ease,background .15s;}.fnav-toggle.is-visible{opacity:1;visibility:visible;transform:translateY(-50%) translateX(0);}.fnav-toggle:hover{background:#007ABB;}.fnav-toggle__icon{font-size:1rem;line-height:1;display:block;}.fnav-toggle__label{font-family:'Sora',sans-serif;font-size:.55rem;font-weight:700;letter-spacing:.15em;text-transform:uppercase;writing-mode:vertical-rl;text-orientation:mixed;transform:rotate(180deg);margin-top:.3rem;color:#FFFFFF;}\n.fnav-overlay{position:fixed;inset:0;background:rgba(0,21,46,.55);z-index:600;opacity:0;visibility:hidden;transition:opacity .3s,visibility .3s;}\n.fnav-overlay.is-open{opacity:1;visibility:visible;}\n.fnav-drawer{position:fixed;top:0;right:-340px;width:320px;max-width:90vw;height:100%;background:#FFFFFF;z-index:700;display:flex;flex-direction:column;box-shadow:-4px 0 40px rgba(0,21,46,.25);transition:right .35s cubic-bezier(0.22,1,0.36,1);}\n.fnav-drawer.is-open{right:0;}\n.fnav-drawer__header{background:#002147;padding:1.25rem 1.5rem;display:flex;align-items:flex-start;justify-content:space-between;gap:1rem;flex-shrink:0;}\n.fnav-drawer__eyebrow{font-family:'Sora',sans-serif;font-size:.65rem;font-weight:700;letter-spacing:.15em;text-transform:uppercase;color:#3DB4F0;display:block;margin-bottom:.2rem;}\n.fnav-drawer__title{font-family:'Sora',sans-serif;font-size:.95rem;font-weight:700;color:#FFFFFF;display:block;}\n.fnav-close{background:rgba(255,255,255,.1);border:none;color:#FFFFFF;font-size:1.4rem;width:32px;height:32px;border-radius:50%;cursor:pointer;display:flex;align-items:center;justify-content:center;flex-shrink:0;transition:background .15s;}\n.fnav-close:hover{background:rgba(255,255,255,.2);}\n.fnav-drawer__body{flex:1;overflow-y:auto;padding:1.5rem;}\n.fnav-group__label{font-family:'Sora',sans-serif;font-size:.65rem;font-weight:700;letter-spacing:.15em;text-transform:uppercase;color:#636B78;display:block;margin-bottom:.75rem;}\n.fnav-group__items{display:grid;gap:.2rem;}\n.fnav-item{display:flex;align-items:center;gap:.75rem;padding:.65rem .75rem;border-radius:8px;font-family:'Sora',sans-serif;font-size:.88rem;font-weight:500;color:#4A5060;transition:background .15s,color .15s;}\n.fnav-item:hover{background:#E6EEF6;color:#002147;}\n.fnav-item.is-active{background:#EBF6FD;color:#00629A;font-weight:600;}\n.fnav-item__dot{width:6px;height:6px;border-radius:50%;background:#C2D4E6;flex-shrink:0;transition:background .15s;}\n.fnav-item.is-active .fnav-item__dot{background:#008ED6;}\n.fnav-drawer__footer{color:#FFFFFF !important;border-top:1px solid #C2D4E6;padding:1rem 1.5rem;flex-shrink:0;}\n.fnav-footer-link{color:#FFFFFF !important;text-decoration:none;font-family:'Sora',sans-serif;font-size:.82rem;font-weight:600;color:#00629A;text-decoration:underline;text-underline-offset:2px;}\n.jsu-btt{position:fixed;bottom:28px;right:28px;z-index:900;background:#008ED6;border:none;border-radius:50%;width:44px;height:44px;display:flex;align-items:center;justify-content:center;cursor:pointer;color:#FFFFFF;font-size:22px;line-height:1;opacity:0;visibility:hidden;transform:translateY(10px);transition:opacity .25s,visibility .25s,transform .25s,background .15s;box-shadow:0 4px 16px rgba(0,142,214,.35);}\n.jsu-btt.is-visible{opacity:1;visibility:visible;transform:translateY(0);}\n.jsu-btt:hover{background:#007ABB;}\n.jsu-btt:focus-visible{outline:3px solid #5BAADC;outline-offset:3px;}\n.sr-only{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0;color:#1C2430;background:#FFFFFF;}\n.resource-list{display:grid;gap:.75rem;}\n.resource-item{display:flex;align-items:center;gap:1rem;padding:1rem 1.25rem;background:#FFFFFF;border:1px solid #C2D4E6;border-radius:8px;transition:border-color .2s;}\n.resource-item:hover{border-color:#008ED6;}\n.resource-icon{font-size:1.5rem;flex-shrink:0;}\n.resource-item__name{font-family:'Sora',sans-serif;font-weight:600;font-size:.92rem;color:#002147;}\n.resource-item__desc{font-family:'Crimson Pro',Georgia,serif;font-size:.9rem;color:#636B78;}\n.resource-item__link{font-family:'Sora',sans-serif;font-size:.8rem;font-weight:600;color:#00629A;text-decoration:underline;margin-left:auto;white-space:nowrap;flex-shrink:0;}\n@media(max-width:900px){.about-grid,.contact-grid{grid-template-columns:1fr;}.footer__grid{grid-template-columns:1fr 1fr;}.hero__inner{grid-template-columns:1fr;}.hero__stat-band{flex-direction:row;flex-wrap:wrap;min-width:0;}}\n@media(max-width:600px){.footer__grid{grid-template-columns:1fr;}.cta-band__inner{flex-direction:column;}}\n\n .contact-items{display:flex;flex-wrap:wrap;gap:2.5rem;margin-top:0;}\n .contact-item{display:flex;gap:.85rem;align-items:flex-start;min-width:220px;}\n .contact-icon{font-size:1.3rem;line-height:1;margin-top:.1rem;flex-shrink:0;}\n .contact-item__label{font-family:'Sora',sans-serif;font-size:.75rem;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:#636B78;margin-bottom:.15rem;}\n .contact-item__val{font-family:'Crimson Pro',Georgia,serif;font-size:1rem;color:#1C2430;}\n .contact-item__val a{color:#00629A;text-decoration:underline;}\n\n\/* \u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\n ELEMENTOR CONTAINMENT RESETS\n Prevents Elementor wrapper styles from bleeding into our\n custom HTML content blocks.\n\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550 *\/\n\n\/* Zero out all padding\/margin\/gap\/background on every Elementor wrapper *\/\n.elementor-widget-container,\n.elementor-widget-wrap,\n.elementor-widget-wrap > .elementor-element,\n.elementor-section .elementor-container,\n.elementor-section .elementor-row,\n.e-con,\n.e-con-inner,\n.e-child,\n.e-con > .e-con-inner {\n padding: 0 !important;\n margin: 0 !important;\n gap: 0 !important;\n background: transparent !important;\n background-color: transparent !important;\n background-image: none !important;\n border: none !important;\n box-shadow: none !important;\n max-width: none !important;\n width: 100% !important;\n}\n\n\/* Section-level Elementor wrappers *\/\n.elementor-section,\n.elementor-top-section,\n.elementor-inner-section {\n padding: 0 !important;\n margin: 0 !important;\n background: transparent !important;\n background-color: transparent !important;\n background-image: none !important;\n}\n\n\/* Strip Elementor heading color overrides *\/\n.elementor-widget-container h1,\n.elementor-widget-container h2,\n.elementor-widget-container h3,\n.elementor-widget-container h4,\n.elementor-widget-container h5,\n.elementor-widget-container p,\n.elementor-widget-container a {\n color: inherit !important;\n}\n\n\/* \u2500\u2500 Dark section hardening \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\n .hero and .cta-band.dk MUST stay dark regardless of\n Elementor theme color injection.\n\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n.hero,\n.hero * {\n color: #FFFFFF !important;\n}\n.hero__inner {\n justify-items: center !important;\n text-align: center !important;\n}\n.hero__inner > div {\n display: flex !important;\n flex-direction: column !important;\n align-items: center !important;\n text-align: center !important;\n max-width: 780px !important;\n margin: 0 auto !important;\n}\n.hero__btns {\n justify-content: center !important;\n}\n.hero__desc {\n max-width: 640px !important;\n margin-left: auto !important;\n margin-right: auto !important;\n}\n.hero__tag {\n display: inline-block !important;\n}\n.hero {\n background-color: #00152E !important;\n background-image: linear-gradient(135deg, #00152E 0%, #002147 60%, #003366 100%) !important;\n position: relative !important;\n}\n.cta-band.dk {\n background-color: #002147 !important;\n background-image: linear-gradient(135deg, #00152E 0%, #002147 100%) !important;\n color: #FFFFFF !important;\n}\n.cta-band.dk * {\n color: #FFFFFF !important;\n}\n.cta-band.dk .btn--primary {\n background-color: #00659E !important;\n color: #FFFFFF !important;\n}\n.cta-band.dk .btn--outline-white {\n border-color: rgba(255,255,255,0.6) !important;\n color: #FFFFFF !important;\n}\n\n\/* \u2500\u2500 Section background hardening \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n.sec {\n background-color: #FFFFFF !important;\n color: #1C2430 !important;\n}\n.sec--off {\n background-color: #F3F7FB !important;\n color: #1C2430 !important;\n}\n.sec--surface {\n background-color: #E6EEF6 !important;\n color: #1C2430 !important;\n}\n\n\/* \u2500\u2500 Text color hardening \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n.sec .sec-title,\n.sec .sec-eyebrow,\n.sec h2,\n.sec h3 {\n color: #002147;\n}\n.sec p,\n.sec li,\n.sec dd,\n.sec dt {\n color: #4A5060;\n}\n.sec a {\n color: #00629A;\n}\n\n\/* \u2500\u2500 About section hardening \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n.about-facts {\n background: #E6EEF6 !important;\n border-radius: 8px !important;\n padding: clamp(1.5rem, 3vw, 2.5rem) !important;\n}\n.about-facts__title {\n color: #00629A !important;\n font-weight: 700 !important;\n}\n.about-facts dl dt {\n color: #636B78 !important;\n text-transform: uppercase !important;\n font-size: .72rem !important;\n letter-spacing: .08em !important;\n font-weight: 700 !important;\n}\n.about-facts dl dd {\n color: #1C2430 !important;\n font-size: .97rem !important;\n}\n\n\/* \u2500\u2500 Card hardening \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n.card {\n background: #FFFFFF !important;\n border: 1px solid #C2D4E6 !important;\n border-radius: 8px !important;\n}\n.card__eyebrow { color: #00629A !important; }\n.card__title { color: #002147 !important; }\n.card__text { color: #4A5060 !important; }\n.card__link { color: #00629A !important; }\n\n\/* \u2500\u2500 Faculty card hardening \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n.faculty-card {\n background: #FFFFFF !important;\n border: 1px solid #C2D4E6 !important;\n border-radius: 8px !important;\n}\n.faculty-card__name { color: #002147 !important; }\n.faculty-card__title { color: #636B78 !important; }\n.faculty-card__contact, \n.faculty-card__contact a { color: #00629A !important; }\n\n\/* \u2500\u2500 Resource list hardening \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n.resource-item {\n background: #FFFFFF !important;\n border: 1px solid #C2D4E6 !important;\n border-bottom-color: #C2D4E6 !important;\n}\n.resource-item__name { color: #002147 !important; }\n.resource-item__desc { color: #4A5060 !important; }\n.resource-item__link { color: #00629A !important; border-color: #00629A !important; }\n\n\/* \u2500\u2500 Program card hardening \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n.program-card {\n background: #FFFFFF !important;\n border: 1px solid #C2D4E6 !important;\n border-radius: 8px !important;\n color: #1C2430 !important;\n}\n.program-card__name { color: #002147 !important; }\n.program-card__level { color: #636B78 !important; }\n.program-card__dot { background: #008ED6 !important; }\n\n\/* \u2500\u2500 Tab hardening \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n.tabs__btn {\n background: transparent !important;\n color: #002147 !important;\n border-color: #C2D4E6 !important;\n}\n.tabs__btn[aria-selected=\"true\"] {\n background: #002147 !important;\n color: #FFFFFF !important;\n border-color: #002147 !important;\n}\n\n\/* \u2500\u2500 Accordion hardening \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n.accordion__trigger {\n background: #FFFFFF !important;\n color: #002147 !important;\n border-color: #C2D4E6 !important;\n}\n.accordion__trigger[aria-expanded=\"true\"] {\n background: #002147 !important;\n color: #FFFFFF !important;\n}\n.accordion__body { \n background: #FFFFFF !important; \n color: #4A5060 !important;\n}\n\n\/* \u2500\u2500 Nav drawer hardening \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n.fnav-drawer {\n background: #002147 !important;\n color: #FFFFFF !important;\n}\n.fnav-drawer__header {\n background: #00152E !important;\n border-bottom-color: rgba(0,142,214,0.3) !important;\n}\n.fnav-drawer__title { color: #FFFFFF !important; }\n.fnav-drawer__eyebrow { color: #3DB4F0 !important; }\n.fnav-item { color: rgba(255,255,255,0.85) !important; }\n.fnav-item.is-active,\n.fnav-item:hover { color: #FFFFFF !important; background: rgba(0,142,214,0.2) !important; }\n.fnav-group__label { color: #3DB4F0 !important; }\n.fnav-drawer__footer { color: #FFFFFF !important; }\n.fnav-footer-link { color: #FFFFFF !important; text-decoration: none; }\n.fnav-footer-link:hover { color: #3DB4F0 !important; }\n\n\/* \u2500\u2500 Hero text hardening \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n.hero__tag { color: #3DB4F0 !important; }\n.hero__title { color: #FFFFFF !important; }\n.hero__desc { color: rgba(255,255,255,0.85) !important; }\n.hero__btns .btn--primary { background-color: #00659E !important; color: #FFFFFF !important; }\n.hero__btns .btn--outline-white { border-color: rgba(255,255,255,0.6) !important; color: #FFFFFF !important; }\n\n\/* \u2500\u2500 Breadcrumb hardening \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n.breadcrumb { background: #002147 !important; }\n.breadcrumb a, .breadcrumb span { color: rgba(255,255,255,0.75) !important; }\n.breadcrumb [aria-current=\"page\"] { color: #FFFFFF !important; }\n\n\/* \u2500\u2500 Contact section hardening \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n.contact-items { color: #1C2430 !important; }\n.contact-item__label { color: #636B78 !important; }\n.contact-item__val { color: #1C2430 !important; }\n.contact-item__val a { color: #00629A !important; }\n\n\/* \u2500\u2500 Skip link \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n.skip-link:focus {\n background: #008ED6 !important;\n color: #FFFFFF !important;\n}\n\n\/* \u2500\u2500 BTT button \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n.jsu-btt {\n background: #00659E !important;\n color: #FFFFFF !important;\n}\n\n\/* \u2500\u2500 Menu toggle \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n.fnav-toggle {\n background: #002147 !important;\n color: #FFFFFF !important;\n}\n.fnav-toggle:hover { background: #007ABB !important; }\n\n\/* \u2500\u2500 WCAG: Ensure minimum contrast on all body text \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\nbody { \n background-color: #FFFFFF !important; \n color: #1C2430 !important;\n}\n\n\n\/* \u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550 TICKER STRIP \u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550 *\/\n.ticker-wrap{\n background:#00152E;\n border-top:1px solid rgba(0,142,214,.25);\n border-bottom:1px solid rgba(0,142,214,.25);\n overflow:hidden;\n padding:.55rem 0;\n position:relative;\n}\n.ticker-wrap::before,\n.ticker-wrap::after{\n content:'';\n position:absolute;\n top:0;bottom:0;\n width:80px;\n z-index:2;\n pointer-events:none;\n}\n.ticker-wrap::before{\n left:0;\n background:linear-gradient(to right,#00152E,transparent);\n}\n.ticker-wrap::after{\n right:0;\n background:linear-gradient(to left,#00152E,transparent);\n}\n.ticker-label{\n position:absolute;\n left:0;top:50%;\n transform:translateY(-50%);\n background:#008ED6;\n color:#FFFFFF;\n font-family:'Sora',sans-serif;\n font-size:.65rem;\n font-weight:700;\n letter-spacing:.12em;\n text-transform:uppercase;\n padding:.35rem .75rem;\n z-index:3;\n white-space:nowrap;\n}\n.ticker-track{\n display:flex;\n align-items:center;\n gap:0;\n width:max-content;\n animation:ticker-scroll 40s linear infinite;\n padding-left:160px;\n}\n.ticker-track:hover{animation-play-state:paused;}\n.ticker-item{\n display:inline-flex;\n align-items:center;\n gap:.5rem;\n white-space:nowrap;\n padding:0 1.5rem;\n font-family:'Sora',sans-serif;\n font-size:.78rem;\n font-weight:500;\n color:rgba(255,255,255,.75);\n transition:color .2s;\n text-decoration:none;\n}\n.ticker-item:hover{color:#3DB4F0;}\n.ticker-item::before{\n content:'';\n display:inline-block;\n width:4px;height:4px;\n border-radius:50%;\n background:#008ED6;\n flex-shrink:0;\n}\n@keyframes ticker-scroll{\n 0%{transform:translateX(0);}\n 100%{transform:translateX(-50%);}\n}\n@media(prefers-reduced-motion:reduce){\n .ticker-track{animation:none;overflow-x:auto;}\n}\n\/* \u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550 HERO CENTERING \u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550 *\/\n.hero__inner{\n justify-items:center;\n text-align:center;\n}\n.hero__inner > div{\n display:flex;\n flex-direction:column;\n align-items:center;\n text-align:center;\n max-width:780px;\n margin:0 auto;\n}\n.hero__desc{\n max-width:640px;\n margin-left:auto;\n margin-right:auto;\n}\n.hero__btns{\n justify-content:center;\n}\n\n\n\/* \u2500\u2500 Visually hidden elements \u2014 explicit colors for accessibility checkers \u2500\u2500 *\/\n.sr-only,\n.visually-hidden {\n color: #1C2430 !important;\n background-color: #FFFFFF !important;\n}\n\/* \u2500\u2500 Screen-reader-only toggle label \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n.fnav-toggle__label {\n color: #FFFFFF !important;\n}\n\/* \u2500\u2500 Skip link always has explicit colors \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n.skip-link {\n background-color: #00659E !important;\n color: #FFFFFF !important;\n}\n\n\/* \u2500\u2500 Breadcrumb: sit flush below global header \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\nbody {\n padding-top: 65px !important;\n background-color: #002147 !important;\n}\n.breadcrumb {\n margin-top: 0 !important;\n scroll-margin-top: 65px !important;\n}\n#main-content {\n scroll-margin-top: 65px !important;\n}\n.admin-bar body { padding-top: 97px !important; }\n.admin-bar .breadcrumb { scroll-margin-top: 97px !important; }\n\/* \u2500\u2500 Hero: full viewport height \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n.hero {\n min-height: 100vh !important;\n height: 100vh !important;\n display: flex !important;\n align-items: center !important;\n justify-content: center !important;\n padding: 0 !important;\n position: relative !important;\n}\n.hero__inner {\n justify-items: center !important;\n text-align: center !important;\n padding: clamp(2rem, 4vh, 5rem) 0 !important;\n width: 100% !important;\n}\n\n\n\/* \u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\n JSU GLOBAL NAVIGATION \u2014 matches jsums.edu exactly\n\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550 *\/\n.jsu-global-nav {\n position: fixed;\n top: 0; left: 0; right: 0;\n z-index: 1000;\n background: #002147;\n box-shadow: 0 2px 16px rgba(0,0,0,.35);\n}\n.jsu-global-nav__top {\n background: #00152E;\n padding: .3rem 0;\n border-bottom: 1px solid rgba(0,142,214,.2);\n}\n.jsu-global-nav__top-inner {\n max-width: 1340px;\n margin: 0 auto;\n padding: 0 clamp(1.25rem,4vw,3rem);\n display: flex;\n align-items: center;\n justify-content: space-between;\n gap: 1rem;\n flex-wrap: wrap;\n}\n.jsu-global-nav__util-links {\n display: flex;\n flex-wrap: wrap;\n gap: .15rem .75rem;\n list-style: none;\n}\n.jsu-global-nav__util-links a {\n font-family: 'Sora',sans-serif;\n font-size: .68rem;\n font-weight: 500;\n color: rgba(255,255,255,.65);\n text-decoration: none;\n letter-spacing: .02em;\n transition: color .15s;\n}\n.jsu-global-nav__util-links a:hover { color: #3DB4F0; }\n.jsu-global-nav__ctas {\n display: flex;\n gap: .4rem;\n}\n.jsu-global-nav__cta {\n font-family: 'Sora',sans-serif;\n font-size: .72rem;\n font-weight: 700;\n letter-spacing: .05em;\n text-decoration: none;\n padding: .3rem .85rem;\n border-radius: 4px;\n transition: background .15s, color .15s;\n}\n.jsu-global-nav__cta--apply {\n background: #00659E;\n color: #FFFFFF;\n}\n.jsu-global-nav__cta--apply:hover { background: #007ABB; }\n.jsu-global-nav__cta--visit {\n background: transparent;\n color: rgba(255,255,255,.8);\n border: 1px solid rgba(255,255,255,.3);\n}\n.jsu-global-nav__cta--visit:hover { background: rgba(255,255,255,.08); color: #FFFFFF; }\n.jsu-global-nav__cta--give {\n background: #3DB4F0;\n color: #002147;\n font-weight: 800;\n}\n.jsu-global-nav__cta--give:hover { background: #6DC8F5; }\n\n.jsu-global-nav__main {\n max-width: 1340px;\n margin: 0 auto;\n padding: 0 clamp(1.25rem,4vw,3rem);\n display: flex;\n align-items: center;\n justify-content: space-between;\n height: 64px;\n gap: 1.5rem;\n}\n.jsu-global-nav__logo {\n display: flex;\n align-items: center;\n gap: .65rem;\n text-decoration: none;\n flex-shrink: 0;\n}\n.jsu-global-nav__logo-mark {\n width: 44px;\n height: 44px;\n border-radius: 6px;\n background: #FFFFFF;\n display: flex;\n align-items: center;\n justify-content: center;\n flex-shrink: 0;\n}\n.jsu-global-nav__logo-mark span {\n font-family: 'Sora',sans-serif;\n font-weight: 900;\n font-size: 1.05rem;\n color: #002147;\n letter-spacing: -.03em;\n}\n.jsu-global-nav__logo-text { line-height: 1.15; }\n.jsu-global-nav__logo-text strong {\n display: block;\n font-family: 'Sora',sans-serif;\n font-weight: 800;\n font-size: .88rem;\n color: #FFFFFF;\n letter-spacing: .01em;\n}\n.jsu-global-nav__logo-text span {\n font-family: 'Sora',sans-serif;\n font-size: .62rem;\n font-weight: 500;\n letter-spacing: .14em;\n text-transform: uppercase;\n color: #3DB4F0;\n}\n\n.jsu-global-nav__menu {\n display: flex;\n align-items: center;\n gap: 0;\n list-style: none;\n}\n.jsu-global-nav__menu > li {\n position: relative;\n}\n.jsu-global-nav__menu > li > a,\n.jsu-global-nav__menu > li > button {\n display: flex;\n align-items: center;\n gap: .3rem;\n font-family: 'Sora',sans-serif;\n font-size: .82rem;\n font-weight: 600;\n color: rgba(255,255,255,.85);\n text-decoration: none;\n padding: .55rem .75rem;\n border-radius: 6px;\n background: none;\n border: none;\n cursor: pointer;\n transition: color .15s, background .15s;\n white-space: nowrap;\n}\n.jsu-global-nav__menu > li > a:hover,\n.jsu-global-nav__menu > li > button:hover {\n color: #FFFFFF;\n background: rgba(255,255,255,.08);\n}\n.jsu-global-nav__menu > li > a::after,\n.jsu-global-nav__menu > li > button.has-sub::after {\n content: '';\n display: inline-block;\n width: 0; height: 0;\n border-left: 4px solid transparent;\n border-right: 4px solid transparent;\n border-top: 4px solid currentColor;\n opacity: .6;\n margin-left: .2rem;\n transition: transform .2s;\n}\n.jsu-global-nav__menu > li:hover > button.has-sub::after,\n.jsu-global-nav__menu > li:focus-within > button.has-sub::after {\n transform: rotate(180deg);\n}\n\n\/* Dropdowns *\/\n.jsu-global-nav__dropdown {\n position: absolute;\n top: calc(100% + 4px);\n left: 0;\n min-width: 220px;\n background: #001736;\n border: 1px solid rgba(0,142,214,.25);\n border-radius: 8px;\n box-shadow: 0 8px 32px rgba(0,0,0,.4);\n padding: .5rem 0;\n opacity: 0;\n visibility: hidden;\n transform: translateY(-8px);\n transition: opacity .2s, visibility .2s, transform .2s;\n z-index: 100;\n list-style: none;\n}\n.jsu-global-nav__menu > li:hover .jsu-global-nav__dropdown,\n.jsu-global-nav__menu > li:focus-within .jsu-global-nav__dropdown {\n opacity: 1;\n visibility: visible;\n transform: translateY(0);\n}\n.jsu-global-nav__dropdown a {\n display: block;\n padding: .5rem 1.1rem;\n font-family: 'Sora',sans-serif;\n font-size: .82rem;\n font-weight: 500;\n color: rgba(255,255,255,.8);\n text-decoration: none;\n transition: color .15s, background .15s;\n}\n.jsu-global-nav__dropdown a:hover {\n color: #FFFFFF;\n background: rgba(0,142,214,.15);\n}\n.jsu-global-nav__dropdown .drop-group-label {\n display: block;\n padding: .65rem 1.1rem .25rem;\n font-family: 'Sora',sans-serif;\n font-size: .65rem;\n font-weight: 700;\n letter-spacing: .12em;\n text-transform: uppercase;\n color: #3DB4F0;\n border-top: 1px solid rgba(0,142,214,.2);\n margin-top: .35rem;\n}\n.jsu-global-nav__dropdown .drop-group-label:first-child {\n border-top: none;\n margin-top: 0;\n}\n\n\/* Mobile menu toggle *\/\n.jsu-global-nav__mob-btn {\n display: none;\n background: none;\n border: 1px solid rgba(255,255,255,.3);\n border-radius: 6px;\n color: #FFFFFF;\n padding: .45rem .65rem;\n cursor: pointer;\n font-size: 1.15rem;\n line-height: 1;\n transition: background .15s;\n}\n.jsu-global-nav__mob-btn:hover { background: rgba(255,255,255,.1); }\n\n\/* Page body offset for fixed nav *\/\nbody { padding-top: 0 !important; }\n.breadcrumb {\n margin-top: 54px !important; }\n.admin-bar .breadcrumb {\n margin-top: 46px !important; }\n#main-content { scroll-margin-top: 104px !important; }\n\n\/* Sections scroll past nav *\/\n[id] { scroll-margin-top: 104px; }\n\n@media(max-width: 1024px) {\n .jsu-global-nav__menu { display: none; }\n .jsu-global-nav__mob-btn { display: flex; align-items: center; justify-content: center; }\n}\n@media(max-width: 600px) {\n .jsu-global-nav__logo-text { display: none; }\n}\n\n\n\/* \u2550\u2550 PDF \/ Document Inline Viewer \u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550 *\/\n.doc-embed-wrap {\n margin: 1.25rem 0;\n border: 1px solid #C2D4E6;\n border-radius: 10px;\n overflow: hidden;\n background: #F3F7FB;\n}\n.doc-embed-toolbar {\n display: flex;\n align-items: center;\n justify-content: space-between;\n padding: .6rem 1rem;\n background: #002147;\n gap: .75rem;\n flex-wrap: wrap;\n}\n.doc-embed-toolbar__title {\n font-family: 'Sora',sans-serif;\n font-size: .82rem;\n font-weight: 600;\n color: #FFFFFF;\n flex: 1;\n min-width: 0;\n white-space: nowrap;\n overflow: hidden;\n text-overflow: ellipsis;\n}\n.doc-embed-toolbar__actions {\n display: flex;\n gap: .4rem;\n flex-shrink: 0;\n}\n.doc-embed-toolbar__btn {\n font-family: 'Sora',sans-serif;\n font-size: .72rem;\n font-weight: 700;\n letter-spacing: .04em;\n padding: .3rem .75rem;\n border-radius: 5px;\n text-decoration: none;\n transition: background .15s, color .15s;\n white-space: nowrap;\n}\n.doc-embed-toolbar__btn--view {\n background: #00659E;\n color: #FFFFFF;\n border: 1px solid #008ED6;\n}\n.doc-embed-toolbar__btn--view:hover { background: #007ABB; }\n.doc-embed-toolbar__btn--dl {\n background: rgba(255,255,255,.12);\n color: rgba(255,255,255,.9);\n border: 1px solid rgba(255,255,255,.25);\n}\n.doc-embed-toolbar__btn--dl:hover { background: rgba(255,255,255,.2); color: #FFFFFF; }\n.doc-embed-frame {\n width: 100%;\n height: 560px;\n border: none;\n display: block;\n background: #FFFFFF;\n}\n@media(max-width:600px){ .doc-embed-frame { height: 380px; } }\n\n\n.pdf-embed-wrap{border-radius:8px;overflow:hidden;box-shadow:0 2px 16px rgba(0,21,46,.1);margin:1.5rem 0;}\n.pdf-embed-header{background:#002147;padding:.75rem 1.25rem;display:flex;align-items:center;justify-content:space-between;gap:1rem;flex-wrap:wrap;}\n.pdf-embed-title{font-family:'Sora',sans-serif;font-weight:700;font-size:.88rem;color:#FFFFFF;}\n.pdf-embed-actions{display:flex;gap:.5rem;flex-wrap:wrap;}\n.pdf-btn{font-family:'Sora',sans-serif;font-size:.75rem;font-weight:600;padding:.35rem .85rem;border-radius:4px;text-decoration:none;transition:background .15s;white-space:nowrap;}\n.pdf-btn--view{background:rgba(255,255,255,.15);color:#FFFFFF;}\n.pdf-btn--view:hover{background:rgba(255,255,255,.25);}\n.pdf-btn--dl{background:#00659E;color:#FFFFFF;}\n.pdf-btn--dl:hover{background:#007ABB;}\n.pdf-embed-frame{display:block;background:#F3F7FB;width:100%;border:1px solid #C2D4E6;border-radius:0 0 8px 8px;}\n\n<\/style>\n<style>\n.cards-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:1.5rem}\n.card{position:relative;overflow:hidden;display:flex;flex-direction:column;transition:border-color .25s ease,box-shadow .25s ease,transform .25s ease !important;background:#FFFFFF;border:1px solid #C2D4E6;border-radius:12px}\n.card::before{content:\"\";position:absolute;top:0;left:0;right:0;height:4px;background:linear-gradient(90deg,#00629A 0%,#008ED6 100%);opacity:.9}\n.card__body{padding:1.7rem 1.6rem;flex:1;display:flex;flex-direction:column}\n.card__title{font-family:'Sora',sans-serif;font-size:1.15rem;font-weight:700;line-height:1.3;margin-bottom:.7rem;color:#002147}\n.card__title a{color:#00629A;text-decoration:none}\n.card__title a:hover{text-decoration:underline}\n.card__text{font-family:'Crimson Pro',Georgia,serif;font-size:1.02rem;line-height:1.65;color:#1C2430}\n.card__text p{margin:0 0 .7rem}\n.card__text p:last-child{margin:0}\n.card__text 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1.85rem}\n.timeline__title{font-family:'Sora',sans-serif;font-size:1.1rem;font-weight:800;color:#7A3607;margin:0 0 .7rem}\n.timeline p{font-family:'Crimson Pro',Georgia,serif;font-size:1.05rem;line-height:1.7;color:#1C2430;margin:0 0 .8rem}\n.timeline strong{color:#7A3607}\n.timeline ul{margin:.5rem 0 .8rem;padding-left:1.5rem}\n.timeline li{font-family:'Crimson Pro',Georgia,serif;font-size:1.03rem;line-height:1.6;color:#1C2430;margin:.3rem 0}\n.timeline__fine{font-size:.95rem;font-style:italic;color:#4A5060;margin:0}\n\n\/* Contact items *\/\n.contact-items{display:flex;flex-wrap:wrap;gap:2.5rem;margin-top:0}\n.contact-item{display:flex;gap:.85rem;align-items:flex-start;margin-bottom:0}\n\n\/* \u2550\u2550\u2550 ADA CONTRAST HARDENING OVERRIDES \u2550\u2550\u2550 *\/\n.card__title{color:#002147 !important}\n.card__text{color:#1C2430 !important}\n.proc__title{color:#002147 !important}\n.proc p{color:#1C2430 !important}\n.proc__sub{color:#00629A !important}\n.proc ol>li,.proc ul>li{color:#1C2430 !important}\n.proc__note{color:#1C2430 !important}\n.qlink{color:#00629A !important}\n.timeline__title{color:#7A3607 !important}\n.timeline p,.timeline li{color:#1C2430 !important}\n.timeline__fine{color:#4A5060 !important}\n\n@media (max-width: 760px){\n.cards-grid{grid-template-columns:1fr;gap:1rem}\n.proc{padding:1.5rem 1.4rem}\n.contact-items{gap:1.5rem}\n}\n<\/style>\n<\/head>\n<body>\n\n<a href=\"#main-content\" class=\"skip-link\">Skip to main content<\/a>\n\n<nav class=\"breadcrumb\" aria-label=\"Breadcrumb\">\n<div class=\"w\"><ol class=\"breadcrumb__list\">\n <li><a href=\"https:\/\/www.jsums.edu\/\">JSU Home<\/a><\/li>\n <li><a href=\"https:\/\/www.jsums.edu\/financialaid\">Financial Aid<\/a><\/li>\n <li><span aria-current=\"page\">Awarding of Title IV Funds<\/span><\/li>\n<\/ol><\/div>\n<\/nav>\n\n<main id=\"main-content\" class=\"jsu-main-content\">\n\n \n <section class=\"hero dk\" aria-labelledby=\"hero-h\">\n <div class=\"w\"><div class=\"hero__inner\"><div>\n <span class=\"hero__tag\">JSU · Financial Aid<\/span>\n <h1 class=\"hero__title\" id=\"hero-h\">\n Awarding of Title IV <em>funds<\/em>\n <\/h1>\n <p class=\"hero__desc\">\n The Financial Aid Office’s institutional packaging policy for the\n consistent, equitable, and fair distribution of financial aid funds.\n <\/p>\n <div class=\"hero__btns\">\n <a href=\"#how\" class=\"btn btn--primary\">Packaging Policy<\/a>\n <a href=\"#contact\" class=\"btn btn--outline-white\">Contact<\/a>\n <\/div>\n <\/div><\/div><\/div>\n <\/section>\n\n \n <section class=\"sec\" id=\"how\" aria-labelledby=\"how-h\">\n <div class=\"w\">\n <div class=\"sec-head\" style=\"margin-bottom:1.5rem;\">\n <span class=\"sec-eyebrow\">Awarding of Title IV funds<\/span>\n <h2 class=\"sec-title\" id=\"how-h\">Institutional packaging & awarding policy<\/h2>\n <\/div>\n <div class=\"proc\">\n <h3 class=\"proc__title\">Institutional Packaging Policy<\/h3>\n <p>The FAO staff has developed an institutional packaging policy to ensure consistent, equitable, and fair distribution of financial aid funds.<\/p>\n <p>One of the greatest challenges the Financial Aid Office faces is the construction of an award package using limited resources. The packaging process combines various types of aid from a variety of sources. It closes the gap between the school’s Cost of Attendance and the student’s ability to pay. Most financial aid packages will not meet 100% of the applicants calculated need.<\/p>\n <p>To be considered for Federal Financial Aid the student must apply by completing the Free Application for Federal Student Aid (FAFSA) online at www.fafsa.ed.gov. The family’s information entered on the application is used to calculate the Expected Family Contribution (EFC). The results of the application must be received by the school in the form of an Institutional Student Information Record (ISIR) with the calculated EFC by the Central Processing System for the Department of Education. The results from the data is used to communication with student and to begin the packaging process.<\/p>\n <p>The financial aid package is based on first-come, first- served, priority given to students with exceptional need (students with the lowest EFC and Pell eligible) for FSEOG. The FSEOG must be made reasonably available to all eligible applicants (FTF, FR, SO, JR and SR). Undergraduate grade levels are considered for FSEOG based on the above criteria. Due to limited program funds, not all eligible applicants will be awarded FSEOG. FWS is awarded based on the above criteria for students (undergraduates and graduates) who indicate they are interested in work study on their FAFSA. Due to the limited program funds, not all eligible applicants will be awarded FWS.<\/p>\n <p>Financial aid packages are created for students throughout the academic year. Applicants whose financial aid files are complete by the priority deadline date will be given consideration for funding resources according to funding criteria and the availability of certain funds (FSEOG and FWS). All eligible financial aid applicants are packaged their full eligibility for programs they qualify for if funds are available not to exceed the cost of attendance.<\/p>\n <\/div>\n <div class=\"proc\">\n <h3 class=\"proc__title\">Institutional Packaging Procedures<\/h3>\n <p>Financial Aid is packaged using the Need Formula Equation:<\/p>\n <p><em>Cost of Attendance – Expected Family Contribution = Need<\/em><\/p>\n <p>Financial Need is funded by various sources on a first-come, first-served basis, based on the availability of funds. Funds are awarded in the following sequence:<\/p>\n <ol>\n <li>Outside resources (if known)<\/li>\n <li>Scholarships (if awarded)<\/li>\n <li>Grants<\/li>\n <li>Federal Pell based on eligibility<\/li>\n <li>FSEOG based on the availability of funds and awarded to exceptionally needy undergraduate students (lowest EFC and Pell grant eligible)<\/li>\n <li>Federal Work Study based on the availability of funds and financial need (undergraduate and graduate students who indicate on FAFSA interested in work)<\/li>\n <li>Direct Loans:\n <ul>\n <li>Direct Subsidized Stafford based on financial need<\/li>\n <li>Direct Unsubsidized Stafford non-need based<\/li>\n <li>Direct PLUS non-need based<\/li>\n <\/ul>\n <\/li>\n <\/ol>\n <p>Federal Perkins Loan based on availability of funds and financial need (exceptional need determined by institution)<\/p>\n <\/div>\n <div class=\"proc\">\n <h3 class=\"proc__title\">Determination of Aid Awarded<\/h3>\n <p>The Director, in conjunction with the Assistant Director and Financial Aid staff, determines the total aid to be awarded during an academic year. The Department of Education sends the FAO email communications regarding the tentative and final award notifications for the Campus Based Programs. The school’s information is accessed via the eCampus- Based web site (<a href=\"http:\/\/cbfisap.ed.gov\">http:\/\/cbfisap.ed.gov<\/a>). Determining the total funds available for awarding includes careful evaluation and projection of available funds for the upcoming academic year. The evaluations and projections are based on historical data, trends and current data.<\/p>\n <\/div>\n <div class=\"proc\">\n <h3 class=\"proc__title\">Award notification and related policies<\/h3>\n <p class=\"proc__sub\">Outside Resources<\/p>\n <p>Students are encouraged to seek assistance from outside resources. It is required that all outside assistance be reported to the FAO. Student aid including outside resources, may not exceed the student’s cost of attendance. Therefore, if a student has been awarded by the aid office and receives an outside award, an adjustment to the original award may be necessary.<\/p>\n <p class=\"proc__sub\">Award Notification<\/p>\n <p>Students receive financial aid award notification via award notification letter or e-Communication. Students are not required to return the award notification letter back to the FAO, if they accept the award. Students wishing to decline part or the entire award may make adjustments on the award notification and return it back to the FAO for adjustments or may do so by e-Communication or online. If adjustments are made to the award, the student will receive another award notification letter.<\/p>\n <p class=\"proc__sub\">Summer Aid<\/p>\n <p>There are only a few financial aid programs for which students may apply for during the summer. If a student has eligibility for a Pell Grant and has not used his\/her entire scheduled award during the academic year, the appropriate remainder may be used during the summer enrollment period.<\/p>\n <p>Students may also apply for Direct Federal (Subsidized and Unsubsidized) loans if they have not used their annual loan limits for the academic year. Parents of dependents students may apply for the Direct PLUS and graduate students may apply for the Direct Graduate Plus for summer.<\/p>\n <p class=\"proc__sub\">Consortium Agreements<\/p>\n <p>A student may receive Title IV aid if he\/she is taking courses at two or more schools, if the participating institutions enter into a consortium agreement. A consortium agreement specifies which institution will process and disburse student aid. The agreement also should stipulate which institution will consider the student enrolled. The institution that disburses the aid is responsible for keeping records and returning Title IV funds in the case of an overaward.<\/p>\n <p class=\"proc__sub\">International Students<\/p>\n <p>International students are not eligible for federal or state financial aid because they do not meet the citizenship requirement. International students may receive non-federal aid and are encouraged to apply for such aid. International students seeking assistance are referred to the Office of International Studies.<\/p>\n <\/div>\n <div class=\"proc\">\n <h3 class=\"proc__title\">Revision of Financial Aid Awards<\/h3>\n <p>Once an award letter is sent to the student, there may be instances which warrant a change to the original notification. An Aid Administrator may review a student’s circumstances, make an adjustment to an award, and release a revised award letter. This revised award invalidates the original award notice.<\/p>\n <p class=\"proc__sub\">Revision Initiated by the Financial Aid Office<\/p>\n <p>The FAO will automatically consider a revision in a student’s aid package when the following occurs:<\/p>\n <ol>\n <li>There is conflicting information in the file.<\/li>\n <li>There are changes resulting from verification.<\/li>\n <li>There is a change in availability of funds.<\/li>\n <li>Outside resources not counted in original award<\/li>\n <li>Error made by FAO<\/li>\n <\/ol>\n <p class=\"proc__sub\">Revisions Initiated by Request from Student<\/p>\n <p>Students may decline any portion of their award. If a student wants to add an award (outside resources), the award is updated to reflect the appropriate adjustments made. It is the student’s responsibility to notify the Financial Aid Office of changes in a student’s resources.<\/p>\n <\/div>\n <div class=\"proc\">\n <h3 class=\"proc__title\">Overawards<\/h3>\n <p>An overaward occurs any time a student’s disbursed financial aid (federal, institutional, and outside aid) and other resources exceed the cost of attendance for the award period by more than an allowable tolerance.<\/p>\n <p class=\"proc__sub\">Eliminating an Overawards<\/p>\n <p>Before reducing a student’s aid package because of an overaward, the Aid Administrator should always attempt to alleviate the situation by reducing or eliminating the overaward. The following possible allowances should be checked.<\/p>\n <p>1) Increase budget using allowable expenses; 2) Adjust EFC; Adjust undisbursed funds (all undisbursed financial aid funds must be withdrawn in the case of an overaward).<\/p>\n <p class=\"proc__sub\">Causes of an Overaward and\/ or Overpayment<\/p>\n <p>There are several causes of an overaward:<\/p>\n <ol>\n <li>Student wages – the student earns more than the awarded FWSP allocation.<\/li>\n <li>Change in the enrollment status – the student withdraws or drops below the projected enrollment status.<\/li>\n <li>Reduction in cost of attendance – the student changes budget categories.<\/li>\n <li>Additional resources – the student has resources greater than those used to calculate the award.<\/li>\n <li>Administrative error – the Aid Administrator inadvertently makes an error.<\/li>\n <li>Fraud – the student intentionally deceives or misrepresents information to obtain funds.<\/li>\n <\/ol>\n <p>Treatment of an Overaward : Direct Loan awards will be adjusted by reducing or canceling subsequent loan disbursements, replacing EFC by converting subsidized into unsubsidized loan amount,<\/p>\n <\/div>\n <div class=\"proc\">\n <h3 class=\"proc__title\">Processing Loans<\/h3>\n <p>Process of processing student loans:<\/p>\n <ul>\n <li>Student completes the FAFSA, adds JSU school code<\/li>\n <li>JSU determines eligibility and loan types and amounts<\/li>\n <li>JSU notifies the student of award<\/li>\n <li>Student accepts the loan award(s)<\/li>\n <li>Student completes entrance counseling and MPN<\/li>\n <li>JSU receives the entrance counseling and MPN files from COD and the files are loaded into Banner<\/li>\n <li>Direct Loans are certified for students meeting eligibility requirements<\/li>\n <li>Direct Loans certification records are originated and submitted to COD for acceptance and acknowledgement<\/li>\n <li>JSU receives the Direct Loan records’ acknowledgement (accepted, corrected or rejected) files from COD and the files are loaded into Banner<\/li>\n <li>JSU works the discrepancy reports and resubmits the Direct Loan originations corrected to COD.<\/li>\n <li>JSU receives the Direct Loan records’ acknowledgement files from COD and the files are loaded into Banner<\/li>\n <li>The electronic process for authorization and disbursement is run after the last date to add and drop classes for the enrollment period. This process checks the students’ eligibility for disbursement.<\/li>\n <li>JSU sends the students disbursement notifications<\/li>\n <li>Direct Loan origination and disbursement records are sent electronically To the Common Origination and Disbursement system (COD) as required.<\/li>\n <li>COD sends acknowledgement records electronically back to JSU and these files are loaded into Banner.<\/li>\n <\/ul>\n <\/div>\n <div class=\"proc\">\n <h3 class=\"proc__title\">Financial Aid Histories<\/h3>\n <p>Financial aid history data is collected through the National Student Loan Data System for the students at JSU.<\/p>\n <p>National Student Loan Data System (NSLDS): Schools are required to use NSLDS as the official source of student financial aid histories. The Department of Education has developed a process call “NSLDS Transfer Monitoring” to provide schools with the latest student’s financial aid history. Mid-year transfer students are required to be added to a transfer monitor file so the institution can use the updated financial aid history to make mid-year awards.<\/p>\n <p>JSU is required to review all pushed subsequent transaction of the ISIR for a student the entire processing year. This includes review of previously verified earlier transaction. The review process shall determine if:<\/p>\n <ul>\n <li>the EFC or the “C” flag has changed or<\/li>\n <li>there are new comment codes<\/li>\n <li>there are NSLDS changes that impact eligibility and<\/li>\n <li>updates or corrections to data elements<\/li>\n <\/ul>\n <p>The pushed ISIRs are loaded through the data load process with the updated NSLDS information loaded into Banner. The Financial Counselor and Specialist are responsible for reviewing the updated NSLDS information to determine if the student remains eligible for financial aid and the current award. If not, the Counselors much take the appropriate action to resolve the eligibility issue with the student and notify the student of needed action or action taken. The pushed ISIR report must be worked by the Counselors daily when JSU receives updated information from NSLDS.<\/p>\n <\/div>\n <\/div>\n <\/section>\n\n \n <section class=\"sec sec--off\" id=\"quicklinks\" aria-labelledby=\"quicklinks-h\">\n <div class=\"w\">\n <div class=\"sec-head\" style=\"margin-bottom:1.25rem;\">\n <span class=\"sec-eyebrow\">Quick links – units<\/span>\n <h2 class=\"sec-title\" id=\"quicklinks-h\">Quick links<\/h2>\n <\/div>\n <div class=\"qlink-row\">\n <a class=\"qlink\" href=\"https:\/\/www.jsums.edu\/financialaid\/files\/2025\/02\/24.25-Financial-Aid-Checklist.pdf\">Financial Aid Checklist<\/a>\n <a class=\"qlink\" href=\"https:\/\/www.jsums.edu\/financialaid\/files\/2020\/11\/FAQs-for-Financial-Aid.pdf\">Financial Aid FAQs<\/a>\n <a class=\"qlink\" href=\"https:\/\/www.jsums.edu\/financialaid\/financial-aid-forms\/\">Financial Aid Forms<\/a>\n <a class=\"qlink\" href=\"https:\/\/www.jsums.edu\/financialaid\/2017\/11\/19\/rights-and-responsibilities\/\">Rights And Responsibilities<\/a>\n <a class=\"qlink\" href=\"https:\/\/www.jsums.edu\/admissions\/parents-and-families\/\">Parents And Families<\/a>\n <a class=\"qlink\" href=\"https:\/\/www.jsums.edu\/financialaid\/creating-an-fsaid\/\">Creating A Federal Student Aid ID (FSA ID)<\/a>\n <a class=\"qlink\" href=\"https:\/\/www.jsums.edu\/businessfinance\/tuition-and-fees\/#Fees\">Tuition And Fees<\/a>\n <a class=\"qlink\" href=\"https:\/\/www.jsums.edu\/financialaid\/files\/2021\/02\/2021-2022-View-Your-Financial-Aid-Status.pdf\">Financial Aid Status<\/a>\n <a class=\"qlink\" href=\"https:\/\/www.jsums.edu\/financialaid\/files\/2020\/06\/2020-2021-When-the-Financial-Aid-Award-Package-is-Not-Enough-.pdf\">When The Financial Aid Package Is Not Enough<\/a>\n <a class=\"qlink\" href=\"https:\/\/www.jsums.edu\/financialaid\/files\/2017\/08\/Financial-Aid-Repeat-Course-Policy.pdf\">Financial Aid Repeat Course Policy<\/a>\n <\/div>\n <\/div>\n <\/section>\n\n \n <section class=\"sec\" id=\"help\" aria-labelledby=\"help-h\">\n <div class=\"w\">\n <div class=\"sec-head\" style=\"margin-bottom:1.5rem;\">\n <span class=\"sec-eyebrow\">Let us help you<\/span>\n <h2 class=\"sec-title\" id=\"help-h\">Let us help you<\/h2>\n <\/div>\n <div class=\"cards-grid\" style=\"margin-bottom:1.75rem;\">\n <div class=\"card\"><div class=\"card__body\">\n <div class=\"card__title\"><a href=\"https:\/\/studentaid.gov\/h\/apply-for-aid\/fafsa\">FAFSA<\/a><\/div>\n <div class=\"card__text\"><p>Students seeking federal financial aid are required to complete the Free Application for Federal Student Aid (<a href=\"https:\/\/studentaid.gov\/h\/apply-for-aid\/fafsa\">FAFSA<\/a>). Jackson State University’s priority deadline is April 15th each year. <strong>Access Financial Aid Forms<\/strong>. <a href=\"https:\/\/www.jsums.edu\/financialaid\/financial-aid-forms\/\">Click Here<\/a>. Frequently asked questions concerning Financial Aid. <a href=\"https:\/\/www.jsums.edu\/financialaid\/files\/2020\/11\/FAQs-for-Financial-Aid.pdf\">Click Here<\/a><\/p><\/div>\n <\/div><\/div>\n <div class=\"card\"><div class=\"card__body\">\n <div class=\"card__title\"><a href=\"https:\/\/www.jsums.edu\/financialaid\/cares-act\/\">CARES Act Emergency Assistance for Students<\/a><\/div>\n <div class=\"card__text\"><p>Emergency assistance for students through the CARES Act. <a href=\"https:\/\/www.jsums.edu\/financialaid\/cares-act\/\">Learn more<\/a>.<\/p><\/div>\n <\/div><\/div>\n <\/div>\n <div class=\"timeline\">\n <p class=\"timeline__title\">Service timeline for submitted documents<\/p>\n <p>All documents submitted to the Office of Financial Aid can take up to <strong>21 business days<\/strong> for processing.<\/p>\n <p><strong>To prevent a delay in processing your documents, please be sure to:<\/strong><\/p>\n <ul>\n <li>Verify documents are filled completely, legible and signed.<\/li>\n <li>Check that documents that require a signature have HANDWRITTEN signatures; no typed or electronic signatures are acceptable.<\/li>\n <li>Verify that all documents contain the student’s name and J-Number.<\/li>\n <\/ul>\n <p class=\"timeline__fine\">*Business days do not include the weekends, holidays, and all other unspecified days the university is closed.<\/p>\n <\/div>\n <\/div>\n <\/section>\n\n \n <section class=\"cta-band dk\" aria-labelledby=\"cta-h\">\n <div class=\"w\"><div class=\"cta-band__inner\">\n <div>\n <h2 class=\"cta-band__title\" id=\"cta-h\">Questions about your award?<\/h2>\n <p class=\"cta-band__sub\">Email the Financial Aid Office at finaid@jsums.edu and include your J-number, or call (866) THEE-JSU.<\/p>\n <\/div>\n <div class=\"cta-band__btns\">\n <a href=\"mailto:finaid@jsums.edu\" class=\"btn btn--primary\">Email finaid@jsums.edu<\/a>\n <a href=\"tel:+18668433578\" class=\"btn btn--outline-white\">Call 866-843-3578<\/a>\n <\/div>\n <\/div><\/div>\n <\/section>\n\n \n <section class=\"sec sec--surface\" id=\"contact\" aria-labelledby=\"contact-h\">\n <div class=\"w\">\n <div class=\"sec-head\" style=\"margin-bottom:1.5rem;\">\n <span class=\"sec-eyebrow\">Division of Financial Aid<\/span>\n <h2 class=\"sec-title\" id=\"contact-h\">Location<\/h2>\n <\/div>\n <div class=\"contact-items\">\n <div class=\"contact-item\"><div class=\"contact-icon\" aria-hidden=\"true\">📍<\/div>\n <div><div class=\"contact-item__label\">Location<\/div>\n <div class=\"contact-item__val\">Jackson State University<br>Financial Aid Office<br>PO Box 17065<br>Jackson, MS 39217<\/div><\/div><\/div>\n <div class=\"contact-item\"><div class=\"contact-icon\" aria-hidden=\"true\">✉<\/div>\n <div><div class=\"contact-item__label\">Email<\/div>\n <div class=\"contact-item__val\"><a href=\"mailto:finaid@jsums.edu\">finaid@jsums.edu<\/a><\/div><\/div><\/div>\n <div class=\"contact-item\"><div class=\"contact-icon\" aria-hidden=\"true\">📞<\/div>\n <div><div class=\"contact-item__label\">Phone<\/div>\n <div class=\"contact-item__val\"><a href=\"tel:+18668433578\">(866) THEE‑JSU \/ 866-843-3578<\/a><\/div><\/div><\/div>\n <div class=\"contact-item\"><div class=\"contact-icon\" aria-hidden=\"true\">📨<\/div>\n <div><div class=\"contact-item__label\">Fax<\/div>\n <div class=\"contact-item__val\">(601) 979-2237<\/div><\/div><\/div>\n <\/div>\n <\/div>\n <\/section>\n\n<\/main>\n\n<button class=\"fnav-toggle\" aria-label=\"Open page navigation menu\" aria-expanded=\"false\" aria-controls=\"fnav-drawer\" type=\"button\">\n <span class=\"fnav-toggle__icon\" aria-hidden=\"true\">☰<\/span>\n <span class=\"fnav-toggle__label\">Menu<\/span>\n<\/button>\n\n<div class=\"fnav-overlay\" id=\"fnav-overlay\" aria-hidden=\"true\"><\/div>\n\n<nav class=\"fnav-drawer\" id=\"fnav-drawer\" aria-label=\"Page navigation\" aria-hidden=\"true\">\n <div class=\"fnav-drawer__header\">\n <div>\n <span class=\"fnav-drawer__eyebrow\">JSU · Financial Aid<\/span>\n <span class=\"fnav-drawer__title\">Financial Aid<\/span>\n <\/div>\n <button class=\"fnav-close\" aria-label=\"Close navigation menu\" type=\"button\">×<\/button>\n <\/div>\n <div class=\"fnav-drawer__body\">\n <div class=\"fnav-group\">\n <ul class=\"fnav-group__items\" role=\"list\">\n <li>\n <a href=\"https:\/\/www.jsums.edu\/financialaid\/#WELCOME\" class=\"fnav-item\" aria-current=\"false\">\n <span class=\"fnav-item__dot\" aria-hidden=\"true\"><\/span>\n <span class=\"fnav-item__text\">Home<\/span>\n <\/a>\n <\/li>\n <li>\n <a href=\"https:\/\/www.jsums.edu\/financialaid\/applying-for-fiancial-aid\/#HOW\" class=\"fnav-item\" aria-current=\"false\">\n <span class=\"fnav-item__dot\" aria-hidden=\"true\"><\/span>\n <span class=\"fnav-item__text\">How To Apply<\/span>\n <\/a>\n <\/li>\n <li>\n <a href=\"https:\/\/www.jsums.edu\/financialaid\/one-big-beautiful-bill-act\/\" class=\"fnav-item\" aria-current=\"false\">\n <span class=\"fnav-item__dot\" aria-hidden=\"true\"><\/span>\n <span class=\"fnav-item__text\">One Big Beautiful Bill Act<\/span>\n <\/a>\n <\/li>\n <li>\n <a href=\"https:\/\/www.jsums.edu\/financialaid\/types-of-financial-aid\/\" class=\"fnav-item\" aria-current=\"false\">\n <span class=\"fnav-item__dot\" aria-hidden=\"true\"><\/span>\n <span class=\"fnav-item__text\">Types<\/span>\n <\/a>\n <\/li>\n <li>\n <a href=\"https:\/\/www.jsums.edu\/financialaid\/resources\/\" class=\"fnav-item\" aria-current=\"false\">\n <span class=\"fnav-item__dot\" aria-hidden=\"true\"><\/span>\n <span class=\"fnav-item__text\">Resources<\/span>\n <\/a>\n <\/li>\n <li>\n <a href=\"https:\/\/www.jsums.edu\/financialaid\/applying-for-financial-aid-2\/\" class=\"fnav-item\" aria-current=\"false\">\n <span class=\"fnav-item__dot\" aria-hidden=\"true\"><\/span>\n <span class=\"fnav-item__text\">Financial Aid Videos<\/span>\n <\/a>\n <\/li>\n <li>\n <a href=\"https:\/\/www.jsums.edu\/financialaid\/financial-aid-forms\/#Learn\" class=\"fnav-item\" aria-current=\"false\">\n <span class=\"fnav-item__dot\" aria-hidden=\"true\"><\/span>\n <span class=\"fnav-item__text\">Financial Aid Forms<\/span>\n <\/a>\n <\/li>\n <li>\n <a href=\"https:\/\/www.jsums.edu\/financialaid\/consumer-information\/\" class=\"fnav-item\" aria-current=\"false\">\n <span class=\"fnav-item__dot\" aria-hidden=\"true\"><\/span>\n <span class=\"fnav-item__text\">Consumer Information<\/span>\n <\/a>\n <\/li>\n <li>\n <a href=\"https:\/\/www.jsums.edu\/financialaid\/contact-2\/\" class=\"fnav-item\" aria-current=\"false\">\n <span class=\"fnav-item__dot\" aria-hidden=\"true\"><\/span>\n <span class=\"fnav-item__text\">Contact Us<\/span>\n <\/a>\n <\/li>\n <\/ul>\n <\/div>\n <\/div>\n <div class=\"fnav-drawer__footer\">\n <a href=\"https:\/\/www.jsums.edu\/financialaid\" class=\"fnav-footer-link\" style=\"color:#FFFFFF !important;\">← Financial Aid<\/a>\n <\/div>\n<\/nav>\n\n<button class=\"jsu-btt\" id=\"jsu-btt\" aria-label=\"Back to top\" 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